davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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)

My accounts 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-05-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (IN)

I was called XXXX  from XXXX to XXXX and then they stopped emailing suddenly. On average I would receive a call XXXX  times daily and it made me change my phone number that I had for over XXXX years. I paid off all of my debt in XXXX because of my XXXX XXXX XXXX and was planning on using the XXXX  money for that. Once I logged into sallie mae my loan wasnt there and I realized they hadnt contacted me since XXXX. Once loan payments paused because of XXXX  I didnt know if it was forgiven or what had happened. Now in XXXX, I got a letter saying they sold it to collections and Im being XXXX. The last email I received from sallie mae never informed me of when or who they were selling it to and I was XXXX XXXX
Consumer complaint received 2023-05-18
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. (CA)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2024 I saw multiple credit cards and accounts requested or opened in my name without my consent or knowledge. I reported the fraudulent accounts and got them resolved except for this XXXX XXXX account XXXX I got a letter on XX/XX/XXXX saying the account has been closed and pending investigation, but as of today on XX/XX/XXXX the account is still active on the credit report and has a balance for {$990.00} ( updated XX/XX/XXXX ). I called XXXX on XX/XX/XXXX to confirm the account was closed, which is not the case since it is still open and being used.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (IL)

For the last couple of months dating back to at least XX/XX/2023 I have been getting REPEATED phone calls for a woman who does not live in my household. The man is extremely rude, has yelled at my wife and calls constantly. I have told him countless times that the woman he is looking for is not at this number and to STOP calling me. He still keeps continuing to call and harass me about this woman. I have never used this company or requested any information from them and no one in my home has either. The most recent phone call was today XX/XX/2023 at XXXX where my wife got on the phone with him to tell him that we would get our attorney involved if he kept calling us. He then proceeded to yell at my wife telling us that we should just keep blocking his phone number then. We looked up the phone number and it belongs to a company called Tower Loans located in XXXX, IL.
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MI)

PayPal failed to put out annual notices Monthly as required in the EFT or electronic funds transfer which states the ETFs can not be returned. PayPal along with customers are in direct violation, which I have a fee schedule in place. This automatically makes PayPal liable for the fees attached to my name which is trademarked. My Social Security number, which is secure on the UCC PayPal needs to pay the fee schedule immediately Or a new class action lawsuit will be filed
Consumer complaint received 2023-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC. (TX)

I have contacted the original creditor and also the collection company that it was sold to. I have asked for verification of debt but no one has sent any correspondence. I have disputed the information many times but they refuse to acknowledge the dispute. I continue to place fraud alerts onto my credit but for some reason the information is still being released and over looked.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I was attempting to make a purchase from XXXX XXXX. I did not know that the website I was using was a scam and fraudulent. I found out after the fact. While placing the order I was signed up for their " rewards club '' ... I set it up using my email and a password. My mistake was that I used the same password that I use for my XXXX. I wanted to call the company about the order and was not able to find any valid contact info. Every email I sent was returned with a message saying it was not a valid email. There was not a good number and when I called the legit XXXX 's I was told about the scam. I XXXX it and got a hit instantly that the website was a scam and was not affiliated with XXXX 's at all. When I disputed this transaction with the bank, they would not help me and asked me to contact the company ( Really??? ) and have them give me something in writing that they were not going to refund my money. # 1 I have no contact info. # 2 It is a scam! I did file a dispute and called Regions. The first girl I spoke with I explained to her that I thought I was on XXXX 's website. They used deception to gain access to my account information. My account had been compromised. The girl did not close my account. She did not turn off that card. Fast forward to XX/XX/2023 and I get 2 more charges on my account from 2 XXXX charges. So now I have the {$49.00} charge from the fake XXXX XXXX on XX/XX/2023, which got me a {$36.00} overdraft fee ... .then a {$96.00} XXXX charge on XX/XX/2023 and another XXXX for {$58.00} and a {$100.00} overdraft fee for those charges!!!! I call Regions, speak to a lady in the fraud department. The logic is pathetic behind why my claim was denied. First off, she tells me it is not fraud because I provided my info. Second of all ... .I never gave XXXX my card info to begin with!!! I tell her the definition of fraud includes using deceptive means to access my account for theft. That is exactly what they did. They deceived me for financial gain. She tells me to send a confirmation email from the merchant. I say ok, because at that time I knew I got a comfirmation from the merchant when it all happened. I log into my XXXX, and my XXXX was completely wiped out. I had absolutely no email. None. I knew that my email had be compromised too because I had over XXXX emails the week before when I logged in. I had emails from my son who had passed away that I kept for myself. Pictures of my son ... Those are now gone. I was livid. I changed my password on all my accounts because I do not know the extent of what they have compromised. The lady at Regions defended the first girl saying that I did not request the account closed. I voluntarily gave the merchant my info, so there was no fraud. I disagree. I want my money back. I want the late fees taken off. I should not have to fight to have my account protected.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXXXXXX  I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends in XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Subject : Unable to Access Dispute Results Online - Request for Official Response Complaint : I am writing to formally lodge a complaint against the credit bureau regarding issues accessing my dispute results online. 

Issue Description : I have previously filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to view real-time credit scores, sometimes file disputes on the credit bureau website , and dispute results on the official websites of the credit bureau XXXX Despite these complaints, the issue remains unresolved. 

I am getting emails saying your dispute results are available " see online '' but " I can't see them online. '' Request for Resolution : I request that the credit bureau provide the results of my disputes through one of the following methods : Replying to my CFPB complaint with the dispute results. 
Officially emailing me the dispute results at XXXX. 
On their website after fixing the errors. 

Verification of Identity : I am attaching my documents to verify my identity. These documents have been provided multiple times, and I request that they be added to my file for reference. 

Previous Attempts : I have made prior attempts to resolve this issue directly with the credit bureaus. Yet, I have not received any resolution or meaningful response to my inability to view dispute results and real-time credit scores online. 

Given the critical nature of credit reporting and its impact on my financial well-being, I urge the credit bureau to take immediate action to resolve this issue. I look forward to a prompt response and a satisfactory resolution. 

Attachments : Personal identification documents ( as previously submitted ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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: Credit Technology, Inc. (NY)

On XX/XX/XXXX I've been notified about an inquiry on my credit report from a mortgage lender. I have never applied for a mortgage in my life and this is definitely no exception. 

The company that made the inquiry is the following : CREDIT TECHNOLOGY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I look at their website but looks like a scam and their phone number doesn't exist. 

This is definitely an identity theft. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX : Account XXXX. is XXXX ( {$5000.00} ), XXXX XXXX  XXXX Account XXXX. is XXXX ( {$73000.00} ), XXXX XXXX XXXX : Account XXXX. is XXXX ( {$26000.00} ), XXXX : Account XXXX. is XXXX ( {$890.00} ), XXXX XXXX XXXX  Account XXXX. is XXXX ( {$850.00} ), XXXX : Account XXXX. is XXXX, XXXX XXXX XXXX Account XXXX. XXXX ( {$22000.00} ), 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 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (SC)

I filed a complaint with your agency about this this company ( National Credit Adjusters ) XX/XX/2021. I sent them a letter asking them to validate this debt, they did not validate this debt as belonging to me. I never received a response back from this company. The original creditor is XXXX XXXX XXXX. I filed a lawsuit against XXXX in XX/XX/2021 and XXXX settle this case by deleting this account from my credit report. I have all the documented to prove that the account was dissolved and removed from my credit file. The same account was sent and reported to the credit bureau by National Credit Adjusters in XX/XX/XXXX XXXX.I am sending this complaint to you to see can we get this matter resolved before I contact the courts to file a lawsuit. The amount of the debt is {$900.00} dollars.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (MI)

On XX/XX/2024 I submitted a complaint against XXXX XXXX XXXX, XXXX stating that I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of 2024 to a new company Named SOUTHWEST CREDIT SYSTEMS XXXX I do not have a contract with SOUTHWEST CREDIT SYSTEMS, I am not liable for this debt with XXXX they did not provide me with the original contract as I requested.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Account was closed without notice was denied information about account closure. Tried to go to bank and ask why my account was closed and if I could get access to remaining balance in my account was told no. No prior fradualent activity just told thag the bank has decided to sever relationship.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (ME)

I sent in a letter more than once from a XXXXXXXX XXXX  agencie, I have called over & over. I have given them everything they have asked for & gotten no help on this matter. I feel not heard & that my voice isnt good enough, so I gave u many voices & still ignored.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion keeps doing an investigation in 3 days or so without any information given. I filed a dispute against XXXX XXXX on XX/XX/XXXX, its already completed. I haven't worked for XXXX XXXX XXXX XXXX since XX/XX/XXXXXXXX  due to injury. I was then paid through Worker compensation all of XXXX which was a third party with no deduction taken out. I also have a letter stating I no longer XXXX at XXXX XXXX permanently though as of XX/XX/XXXX. XXXX XXXX placed a collection on my name as of XX/XX/XXXX, the account isn't mine and I told this to Transunion. How can a bill be mine if they haven't received a payment to keep insurance since XXXX? I paid it through my paycheck so they haven't seen a monthly payment for a long time. I could only receive this insurance through my employer and they do run your insurance when you go to an appointment to make sure you're still active.
Consumer complaint received 2024-05-25
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: BARCLAYS BANK DELAWARE (MI)

On XX/XX/XXXX and XXXX I attempted to book a flight with XXXX XXXX. The initial XXXX attempts left me stranded. I eventually spoke with an agent who told me that my charge for the entire flight will be {$430.00} and that he would refund the other XXXX attempts XXXX was {$390.00} and the other was for {$450.00}. XXXX he did not refund those the cost for those flights so I disputed them I was issued credit and those credits were reversed after the credit card companies so called investigation, I believe that the disputes department for XXXXXXXX XXXX is lazy, incompetent and XXXX decision influenced the outcome that they made and that decision has cost me nearly {$1000.00} of being overcharged and this is unacceptable included with this complaint is a copy acknowledging the unfulfilled refund from XXXX XXXX.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MI)

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.
Consumer complaint received 2024-05-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

I attended XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX and successfully had my federal student loans discharged through the Borrower Defense to Repayment program. This program, initially established by the Obama administration, aimed to offer relief to students who were misled, defrauded, or otherwise harmed by predatory colleges and universities, often for-profit institutions like XXXX XXXX XXXX XXXX XXXX  XXXX However, it's important to note that this relief only applies to federal student loans, leaving private student loans ineligible. Despite this, XXXX XXXX XXXX declined to discharge my private loans. I firmly believe that under the Holder Rule theory, I am entitled to the cancellation of my private student loans. This rule dictates that loans disbursed by a commercial entity, such as XXXX XXXX XXXX, should include provisions in the loan promissory note allowing borrowers to raise claims and defenses against the lender that they could against the commercial entity. In essence, if claims of fraud could be raised against XXXX XXXX XXXX XXXX XXXX, those same claims should apply to XXXX XXXX XXXX, the entities involved in my private student loans.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

XXXX XXXX XXXX I had lost my job I had called and explained to the bank they advised me about credit protection for XXXX a mth that I had to apply for to cover my monthly payment I applied and was denied I called again the customer service representative advised me to apply again I did still nothing I explained the situation and offered half of what was due and they denied saying it needed to be full payment as time went on they called all hours of night harassing me even used foul language. Now my account went to collections they would not provide information on the collection agency.