davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am certain that I always pay on time. What I can not comprehend is why this company is marking me late for specific months, which is incorrect. According to XXXX XXXX, billing errors should be corrected, or the company will owe me {$1000.00} per account for inaccurate reporting.
Consumer complaint received 2019-04-27
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. (AZ)

i recently got a refinance loan for my car to get lower interest rate shortly after i recieved the loan my credit score dropped 40 points what is up with that???? ive worked hard to keep my good credit score i make all my payment on time from what i have seen on my report i have too many account on my record which is untrue. ihave only to credit cards with a balance of XXXX  dollers ihave acredit balace avaiilable of XXXX due to my credit aat this time i cant get any type of loan. your credit score is large part of your life. im pleading with you to taking action with this problem and give me feed back im very upset
Consumer complaint received 2023-12-08
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-06-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NV)

Several letters were received on XX/XX/XXXX from Marcus by Goldman Sachs informing me that " following an internal review, we have closed the above-referenced account ''. No more information was provided about how or when I would receive my funds ( or why the account was closed ). After phoning them I was informed a cheque would be sent. I didnt receive it by XX/XX/XXXX so phoned back. They informed me it can take up to 45 business days to send a cheque ( this is completely unacceptable ). In addition they have no tracking information to show that the cheque was sent. Based on their actions so far, I strongly believe that Goldman Sachs do not intend to return my funds. My goal is to get my balance back from my account and fair compensation for the financial hardship experienced while my funds were withheld.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TN)

On XX/XX/2023, my son and I arrived in XXXX XXXX, XXXX XXXX. We went to XXXX XXXX XXXX office and rented an automatic vehicle for our stay in XXXX XXXX since we were going to be visiting different cities throughout the country. 
I am a XXXX XXXX XXXX so there could not be a misunderstanding in regard to the final price for the car rental. I was initially told the total price was going to be {$300.00} and extra expenses if the car was damaged in any way. For which I returned the vehicle in perfect condition and was accepted the employees. Soon after coming back to the XXXX, I noticed I was being charged for a total amount of {$800.00} plus another transaction of {$150.00}. I disputed the transaction with Citi bank and they requested more information which I provided. After weeks of waiting for their response, they declined my claim. I called them to get more information from them and I was told there was nothing else I could do from their customer service. I decided to stop the claim and let it go. I was recently told by a friend of mine about CFPB and decided to file this claim to be treated fairly.
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

I have been trying to login to my nelnet account for the past week starting XX/XX/2023, and I continually get loading pages or errors that send me back to the initial login. Currently, all I get is " Sorry, Our Systems Are Temporarily Unavailable '' when trying to login. I have attempted to call and have waited for over an hour several times now to actually speak to someone. I have only given up when the time has gone over the quoted time and I have to move on with my day. It got through once for the call to be disconnected, and I never received any callback. How am I supposed to setup repayment if I can not even get access to my account online or reliably speak to a representative. I am pretty sure I have everything setup and ready to go, because I was not having these issues about two months ago when my loans were transferred. However, it is absolutely necessary that I have access to my information to ensure that I have the correct accounts setup for autopayment and won't have any issues once repayment begins. I'd like to begin paying in XXXX, so that interest doesn't accrue. But, I can't even get online or speak to someone to ensure that happens. Either this company wasn't ready for the demand that they are seeing and are unable to actually handle online and phone requests or they are intentionally having these issues to ensure that borrowers pay more. Both are honestly ridiculous and unacceptable.
Consumer complaint received 2023-08-28
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: Shellpoint Partners, LLC (NJ)

I lost my job XX/XX/27 immediately called mortgage company they put me a short term forbearance. Then right before like they told me two weeks before my forbearance was going to end i called to ask for an extension as i still was nothing working. I sent everything i needed too never heard of any lapse. Everything I was told to do I did timely. All of a sudden i look at XXXX XXXX and my score dropped XXXX points due to no fault of my own. My mortgage doesnt kick in until XXXX which i am trying to get a modification but they ignore me. I have left messages for a supervisor to call me i get nothing They are reporting me five months past due I AM ON FORBEARANCE I would like all this removed from my report as this is false, my account has been flipped through so many agents every two weeks its crazy when i submit paperwork then all of a sudden i get a letter your new point of contact. not one letter saying i am past due just they you are on a short term forbearance or an extension was granted
Consumer complaint received 2019-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage Servicing took over my mortgage in XXXX, XXXX. In XXXX, XXXX, I received a letter requiring me to show proof of flood insurance. I had never been asked this by any other mortgage servicing company since I purchased my home in XXXX. I reached out to our XXXX 's insurance company and was told that we were not required to have flood insurance. The insurance company sent a Standard Flood Hazard Determination dated XX/XX/XXXX to Shellpoint stating that we are not in a flood zone on my behalf ; however, the person I spoke with at Shellpoint told me that they only way I would not be required to have flood insurance is if they had a letter from XXXX stating that we are not in a flood zone. It took a while, but I was finally able to track down a XXXX letter, and submitted it via email to Shellpoint on XX/XX/XXXX. I received a letter from Shellpoint dated XX/XX/XXXX stating that " We were recently advised due to a XXXX flood map revision that the above property is no longer in a zone that requires flood insurance. As a result, we will not require you to continue to provide proof of flood insurance coverage for the above property pursuant to our loan agreement. '' However, they only partially refunded the money that had taken from my escrow account for flood insurance. When I called them on XX/XX/XXXX, I was told by the agent that the document had expired. I said that I had a copy of the XXXX letter and that it does not expire. She said she would email the document to me. First she emailed some other customer 's confidential document to me by mistake. Then she emailed the document that pertained to my home. It was the determination that my XXXX 's insurance had sent back in XXXX. She claimed that it expired on XX/XX/XXXX, and I would have to provide new proof that I'm not in a flood zone. I told her that it didn't expire on XX/XX/XXXX, it was simply dated XX/XX/XXXX and the only thing that could override the XXXX letter was a new XXXX letter. I sent her the XXXX letter again, along with a copy of their own letter stating that I was no longer required to prove that I had flood insurance. I received no response. On XX/XX/XXXX, I sent a letter using the template found on this website, explaining the situation again, with all documentation attached, requesting that my funds be returned by XX/XX/XXXX. I again received no response whatsoever. I did receive a new escrow statement showing that they are planning on increasing my monthly escrow payment based on my expenses, including the flood insurance that I do not need.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (AZ)

On XX/XX/2023, I responded to an online ad to get a personal loan from Net Credit in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. Net Credit should a credit score from XXXX of XXXX under my fist and last name only. 

I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. 

On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from XXXX ''. 

My XXXX credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech.

I asked Net Credit CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. Net Credit CSR choose not to answer.

Net Credit representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan.

After the denial of the loan, I asked Net Credit CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested Net Credit to remove and delete my private information they refused. I am now forced to close my bank account.
Consumer complaint received 2024-05-17
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. (VA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXXXXXX  Balance : {$14000.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 


USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXXXXXX  Balance : {$7900.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-07-05
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXXXXXX XXXX  - XX/XX/XXXX :
Consumer complaint received 2023-09-19
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-17
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. (VA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$14000.00} According to XXXXXXXX XXXX XXXX XXXXXXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 


USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$7900.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2024-05-17
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. (VA)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXX Balance : {$7900.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Consumer complaint received 2023-08-28
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.