davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

Since XX/XX/year> I have been trying to complete a double consolidation covering 6 PLUS loans ( presently serviced by XXXX ) obtained for my 2 sons educations. Utilizing XXXX XXXX XXXX and XXXX form XXXX, along with all relevant documentation, I submitted packets to Aidvantage and NELNET, splitting the six loans between the 2 servicers. XXXX quickly processed the 3 loans. NELNET never responded. After contacting them I was told that they had no account. I then sent the the loan request to XXXX. After further weeks of no contact I sent the request to XXXX. Many more weeks of no contact. A month ago I resent the application to NELNET. Yet again, no contact. I have had no communication with the other 3 servicers so have no idea what might be the problem. 
All applications were sent via USPS certified mail with return receipt. Not a free service by any means. I have gotten all return receipts acknowledging that they were received.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

CREDIT CARD FRAUD ( inside job ) Re : Acct # XXXX XXXX XXXX XXXX XXXX Gold {$420.00} Platinum {$920.00} Respected Sir or Madam : Please be advised, I am reaching out to you in an desperate attempt to resolve the many financial errors that has appeared on my JCPenny Card Card account. I personally tried to resolve these issues numerous times, but all to no avail. Ultimately, I paid the account in full ( {$1800.00} ) only to discover that my payment was applied to a " different '' months later! 

I was informed that I currently have remaining balances on XXXX accounts ( cited above ). However, I only had XXXX account ( # 's provided ). I also incurred numerous monthly late fees when I actually paid my bill on time. Yet, despite my every efforts I could never resolve this matter so I chose to paid the account in full, and resolve it on the back end. However, I didnt know I would never be able to resolve! 

During the times these charges occurred, I made numerous calls, visited various stores ( statewide ), contacted the Corporate Office and ultimately I become an employee and I still could never get any positive outcome. Instead, I were told to hire a lawyer, -- this is an inside job! These charges were intentional and malicious to say the least. 

JCPenny owes me money and I am not seeking any type of store credit. This is what I need assistance with and these charges appear on the following years statements I.e. XXXX, XXXX, & XXXX. Ironically, I was informed that there were no statements for the year XXXX, yet I have them! ( I have ALL the statements to show proof of charges ) Your attention to this matter is greatly appreciated! 

Customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-06-10
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. (PA)

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.

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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patenaude & Felix A Professional Corporation (CA)

XX/XX/year> I was served by a sheriff to be summoned to court Collection agency is trying to sue for a debt Patenaude & Felix A.P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> I have contacted legal services in regards to this case Please note that this collection agency added me to a subscription text messaging service. There are three text messages from this company. I never subscribed or asked to be added to text messages from this company. 

That is also in violation of rights I am requesting that Patenaude & Felix A.P.C. just stop and sees and assist from any further actions brought forth to XXXX XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Account were opened fraudulently. I was XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX XXXX number XXXX. Due to These fraudulent accounts reporting, I'm unable to move forward in life. Also, unable to compensate the amount. My identity was stolen while XXXX I have no Knowledge on how. I'm Requesting these Accounts be removed. 

Capital one - XXXX XXXX XXXX amount {$5800.00}
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-03
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. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (DC)

Today ( XX/XX/XXXX ) I received a notice that my Bloomingdales AmEx credit card interest rate was going up to 34.49 % effective XX/XX/XXXX. The current rate is an already super high 31.99 %. I called to inquire why the rate was unexpectedly going up when interest rates are expected to be going down. I was told Bloomingdale 's uses the prime rate ( 8.5 % on XX/XX/XXXX ) plus an " adder. '' In this case the Bloomingdale 's so-called " adder '' is 25.99 % ( i.e., XXXX + XXXX = XXXX ). I was also told by the very pleasant customer service person that the new rate could not be changed. 

This is an exorbitantly high and unreasonable interest rate when other reputable credit cards use interest rates around 23 % or 24 %. Why is the Bloomingdale 's credit card interest rate so high? 

I have been a loyal customer of Bloomingdales for decades. Although I don't pay credit card fees per se because I pay my bill in full, other customers do pay these fees. My conclusion is that Bloomingdales is taking advantage of its loyal customers by charging outrageous fees. I think Bloomingdale 's should consider " lowering '' its credit card interest rate and perhaps consider changing some of its other business practices to lower costs.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XX/XX/year> I Disputed The XXXX  account reporting on my credit report to credit agency 's as ID theft. Credit Bureaus validated this account is not mine and removed it from my credit report. 
XX/XX/year> XXXX - XX/XX/year> XXXX Account was removed from all credit reports. 

XX/XX/year> XXXX account was readded again on my credit report as a charged off credit card. Without a written notice from any credit Bureau that it was being added back. 

Disputed with XXXX stated that the charge off account is not mine never received response.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (IN)

I am attempting to get PMI removed on my primary residence. Currently I owe {$120000.00} on the home and the tax evaluation sits at {$220000.00} as of XXXX. On XX/XX/XXXX I had a money order drafted in the amount of {$190.00} per instructions by my Mortgage lender NewRez, I mailed this that same day, on XX/XX/XXXX NewRez finally cashed the check that I had sent them over 30 days prior, It then took me complaining twice via instant message with NewRez to get them to setup the home inspection. Finally on XX/XX/XXXX the home inspection was completed, the inspector insured me he would be sending out the inspection results that evening. Since then I have reached out to NewRez twice, the first occasion was on XXXX at that time I was told I needed to wait an additional XXXX business days, the second occasion was today on XX/XX/XXXX when I was told to wait multiple different amounts of time. First it was another XXXX days, then XXXX days and finally XXXX days. All of this seemed like additional stalling tactics. As of today NewRez has charged me PMI twice since cashing the evaluation check, I feel they are intentionally dragging their feet to continue to charge me worthless PMI principals.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

I received a demand letter from XXXX XXXX trying to collect a debt that I owe to US Bank. At the same time, this same information showed up on my XXXX credit report showing that the total amount outstanding was " past due ''. My credit score decreased on the same day by XXXX points. 

I immediately called US Bank and they agreed with me that the account in question is in good standing and all payments are up to date. I asked them why I received a demand letter from a debt collector. They informed me that they had recently changed to this new attorney debt collector but could not tell me why I received the letter. 
I then called the debt collector. They informed me that they were " legally obliged '' to send me a demand letter because they had recently received my file, even though the account is not delinquent and no payments have ever been missed. I asked if I should be paying them now instead of US Bank and they said no.

I called US Bank again asking why they had reported an incorrect account status to the credit agencies. They denied having done so. XXXX XXXX also denied having done so. The account still shows " past due '' on XXXX. Both XXXX XXXX and US Bank have informed me that there is nothing they can do to 'fix ' my credit score.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I received a letter ( dated XX/XX/XXXX ) informing me that my Macys American Express account was previously closed and I would be receiving a new card. The last four numbers of the account are different from the Macys store credit card. I tried calling the number shown in the letter several times only to be told the wait time was more than 30 minutes. I found another number and called that only to get the same wait time information. I never had a Macys American Express card nor do I want one. All I want to do is cancel this credit card that I did not request or apply for.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

Recently received replacement store credit card from Macys. I havent used the card in several years and did not request a new card. I have tried calling the phone number on the back of the card to close the account but have only been told the wait time is over 30 minutes. I tried another number and got the same recording. I just want this account closed. I dont shop at Macys anymore and dont want or need their card.
Consumer complaint received 2024-06-10
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)

I am disputing inquiries that are being reported on all three of my credit reports. XXXX, XXXX and Equifax. I did not authorize nor am I aware of any of the inquiries from the following companies. 

Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to XXXX years. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX SOFT INQUIRIES DATE COMPANY DESCRIPTION REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Soft Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Soft Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Soft Inquiry XXXX XXXX
Consumer complaint received 2024-06-03
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-06-03
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. (MI)

I recently obtained a copy of my credit report from all 3 credit bureaus. Upon checking, I can see that there are several unauthorized hard inquiries on my reports that are interfering with my ability to obtain credit and maintain a favorable score. 

The unauthorized inquiries are as follows : Experian : 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 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  I have contacted all three bureaus requesting to have these hard inquiries removed ; however, the response I'm getting is not providing the results needed to have this matter resolved.
Consumer complaint received 2024-06-03
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. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NC)

This account was transferred from another account. Now both accounts are indicated on the credit report. During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX.
Consumer complaint received 2024-06-04
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. (IL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-22
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. (TX)

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 Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604A Section 2 ; it also states a consumer reporting agency can not Furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states no consumer reporting agency report containing any of the following items of information Any adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.