davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IL)

I had had filed for bankruptcy.but later dismissed it.then the company didn't want me to make payments they wanted full amount which I couldn't they wrote it off as a charge off it hit my credit. Now it's back XXXX hit my credit again and saying I paid a certain amount in whi ch I haven't
Consumer complaint received 2024-04-08
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. (VA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate accounts and information was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

In speaking with credit card companies and other lenders, I inquired about the reporting frequency. The reason for the calls is due to the balances increasing across the reporting agencies and being updated multiple times per month. I see credit alerts within a day, no more than 4 days, when using credit cards, for the balances increasing. I have paid these credit cards down to {$0.00} and this doesn't update unless I leave the cards at {$0.00} balance. When using the cards, the balance increase is always updated and the payments do not reflect on the reports. 
When speaking to the banks or Credit Card companies, they insist that they only report once a month. I am not understanding how the reporting agencies have access to the accounts multiple times a month, while the companies themselves only report to the agencies once per month. The multiple balance updates during the month should not be accessible if the companies that report to the agencies only report once per month. 
Also, I have received negative credit worthiness changes in the score and no changes have been reported, only a note stating that, " There were not changes to report at the time, but, they recalculate the scores periodically when there is something going on. This comment is never understood, as it just says that they can manipulate you credit worthiness when they want to.
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX.. Balance : {$40.00}
Consumer complaint received 2024-04-08
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$460.00}, XXXX  XXXX Balance : {$1100.00}, XXXX  XXXX XXXX Balance : {$4000.00}, XXXX  XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (CA)

Back in XX/XX/XXXX I stopped receiving my monthly mortgage statement. I called in XX/XX/XXXX to have statements emailed to me. Never happened. I have called every month since ( 5 months ) and promised it would happen but nothing changes. I asked two months ago to go back to mailing the statement. Nothing changed. XX/XX/XXXX I called to talked to a supervisor or manager but none were available. I cOmpromised I would get a call either that day or the next business day. No phone call.
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX INQUIRY : XX/XX/XXXX : XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX INQUIRY : XX/XX/XXXX : XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (CT)

My vehicle had got repossessed I lost my job, I just recently got a new job and am trying to get my car back and my account back in good standing, the company sent me a letter stating we had to pay XXXX $ to get the vehicle back, we called to make a payment on Monday XX/XX/year> the letter stated they are selling the car as of XX/XX/year>. We asked if we made a payment today ( XX/XX/year> ) can we get written communication stating our vehicle will be released before the XXXX, they refused to give us written letter stating this information. They are not releasing it to us until the day it is supposed to be sold. They are refusing to give me information regarding how to get in touch with them to verify the car is still there. Also, I recorded them and how they were speaking to me, telling me its not there problem, They are telling me they can only give us verbal confirmation, nothing written. How do we know are car is even still there and not sold?
Consumer complaint received 2024-06-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I purchased a {$500.00} Vanilla visa gift card on XXXX XX/XX/XXXX. I tried to use it in numerous locations and it was blocked both in person and online. I contacted INCOMM about the problems and they created case XXXX on XX/XX/XXXX. They got the card was blocked for usage and that I would need to get a refund or replacement card. They asked me to send in documentation to their e-mail address ( XXXX ) of the purchase receipt and a picture of the card. I sent in all of the documentation on that same day XX/XX/XXXX. I never heard back. I contacted them at the end of on XX/XX/XXXX and mid XXXX via phone and both times they said that they could not find my e-mail even though I have an e-mail receipt from INCOMM stating that they received my e-mail and that they will get back to me. I'm asking for INCOMM to please process my claim and send me a refund check immediately. I have already been waiting XXXX months.
Consumer complaint received 2023-12-21
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. (MA)

They are reporting 30 days late on this account however this are billing error acct was never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC. (SC)

About a month ago, I began receiving repeated emails, text messages and phone calls regarding a debt collection of a debt that I do not owe. It for the same company, XXXX XXXX XXXX, that started harrassing me last year under the name XXXX, that I submitted a complaint about on XX/XX/year>. Now the company is calling itself Halsted Financial. I don't owe this debt and I want the calls and messages to stop. I don't want any backlash on my credit report either. Cease and Desist immediately.
Consumer complaint received 2023-12-22
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)

Someone used my credit information without my authorization. I have contacted the creditor, and filed a police report, and an ID Theft Affidavit and the credit bureaus are reporting this fraudulent information despite my making them aware that the account is a fraud,
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The following account listed below was paid on time. Please correct and forward to me an undated copy of my credit report. I will attach my current credit report showing that you are the only credit reporting agency reporting that a late payment in XX/XX/XXXX. Your prompt attention in this matter is greatly appreciated : XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (NY)

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 NC XXXX The following personal information is incorrect
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-21
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. (OK)

I called Experian after I couldn't login online and automated robot ask me XXXX question do i want to freeze my report or order a report repeating asking the same questions with no other options until the system was going to disconnect it said I can only transfer call in special circumstances then system hung up dial tone. This is ridiculous the amount of time just trying to get my credit reports must less dispute items I have been dealing with XXXX, XXXX and Experian for the several years I can not contact Experian by phone or online when try to reset password my phone number doesn't match there records., thats XXXX minutes after I gave 2 reps. my phone number. Unbelievable.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year>, my debit card was compromised and I requested Bank of America ( BOA ) stop all transactions. My auto withdraw to XXXX was also effected. So in order to pay my auto insurance bill, I used one of my credit cards ( last XXXX of card XXXX ). The amount owed to XXXX was {$75.00}. On XX/XX/XXXX, I received an email from BOA stating my recurring payments to XXXX had been terminated. I filed a claim because my bank statement indicated the bank had withdrawn the {$75.00} meaning I had paid my XXXX twice.I filed a claim ( # XXXX ) I received a letter from BOA dated XX/XX/XXXX stating the {$75.00} which had been credited to my account was to be removed. So the bank is claiming I didn't pay my XXXX payment with a credit card and was going to withdraw the {$75.00}. I sent BOA a copy of my account statement from XXXX which clearly shows I used a credit card to satisfy my auto insurance bill. I have contacted the bank on XXXX different occasions requesting my account be re-credited but to no avail. The bank representative confirmed the bank did receive my XXXX account statement. The claim # is all you will need to investigate my complaint.
Consumer complaint received 2023-12-21
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. (SC)

In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AZ)

We attempted on XXXX separate occasions both on our own and using the company 's customer service to book a flight that was offered on their website using points and it would go through and then get cancelled. After XXXX different phone calls of at least an hour each we informed Citi that we would be purchasing the exact flight offered using cash and would expect Citi to credit our account with the dollar value of the points and then deduct the points from our account. They have refused to do this and recently offered us {$500.00} instead of the full amount of {$1200.00}. This is false advertising of the miles reward program.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/2023 I was informed of a virtual assistant job opportunity through my XXXX XXXX email from XXXX XXXX XXXX, a law professor. XX/XX/2023 I responded and forwarded my resume to XXXX XXXX. XX/XX/XXXX I was officially hired by XXXX. XX/XX/XXXX I was sent instructions by XXXX that included making a donation on behalf of herself to XXXX XXXX XXXX for XXXX dollars. I was emailed a check and informed to mobile deposit it. XX/XX/XXXX Truist made the funds available and I was informed to purchase XXXX XXXX gift cards and send the codes to the foundation. Before purchasing the gift cards a called the Truist branch at the XXXX XXXX and informed them of what I had been asked to do and questioned if the transaction would be okay. I was told there didnt seem to be any issue with making a purchase of this manner. I made the purchase and sent the gift cards later that day. I was then instructed to deposit a second check for {$1400.00} in order to make a second donation. The funds for this second check were never made available. XX/XX/XXXX I was informed by Truist that both checks were fraudulent. XX/XX/XXXX I went to the Truist branch I had originally called to dispute the transaction since they had wrongfully advised me. I spoke with the branch leader and he said that his bankers were new and this was why they had advised me poorly. XX/XX/XXXX my dispute was denied. XX/XX/XXXX I returned to dispute the transaction for the XXXX again. I also asked to dispute the overdrafts fees of more than XXXX dollars that had been applied to my account. XX/XX/XXXX I was denied again.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, 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. (PR)

There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Experian and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.
Consumer complaint received 2024-01-30
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. (GA)

Experian and XXXX XXXX XXXX continue to report an alleged debt that I owe without sending me proper documentation to validate this alleged debt. I would like to know how it was validated and with whom did this validation process happen with. 

Furthermore debt collectors are third party debt buyers and I have no obligation to pay and I refuse to pay it! 

Experian and XXXX XXXX XXXX are both required under FCRA to follow reasonable procedures to protect consumers against fraudulent reporting.
Consumer complaint received 2024-04-08
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. (NC)

I HAVE CONTACTED XXXX, XXXX, AND EXPERIAN, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN XXXX BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. XXXX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX XXXX XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN 30 DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX # XXXX XXXX XXXX # XXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN XXXX BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.
Consumer complaint received 2024-04-16
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: CCM Finance LLC (TX)

CCM Finance is intentionally reporting incorrect and misleading information. Im beginning to think this is retaliation for not getting another vehicle with this company and or racially motivated. Instead of correcting account status theyve updated my account to look as if payments were past due when in fact they were not Ive attached proof of payments. I actually paid more prior to dealer buy back because thats what I was told to do even though I thought it was odd. I did whatever I was told because I didnt want to negatively affect my credit. 
The loan original balance, payment history, and account status in INACCURATE and Ive sent proof. I have receipts of payments, recording and text messages.
Consumer complaint received 2020-05-19
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (PR)

Various attempts to clarify that there is no debt where made. The company stated and wrote various communications regarding this matter. The last one was made on XX/XX/2020 ; on this communication they where demanding full payment, while on the initial communication they stated they where not a collection agency.