davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MS)

Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/219 XXXX. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX  out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX  and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through TransUnion several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX  out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently obtain a copy of my credit report and noticed some errors. I noticed multiple addresses that I never resided, also incorrect name being reported. I attached a copy of my social security card and proof of address. ( SEE ATTACHMENTS ) MY report should only reflect one name and address.
Consumer complaint received 2023-05-25
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

nefarious company called lexisnexis risk solutions, XXXX XXXX XXXX XXXX XXXXXXXX, never heard of them, I did not authorize this phony data broker to collect information on me, or masquerade as a credit bureau, there website says insurance and criminal investigations, WHY would I give these clowns my personal information so they can surreptitiously open there own file or account using my name? HOW illegal and stupid is that? This name popped up from XXXX XXXX denial letter? I want any/all information deleted, I never gave these conniving data brokers my permission to XXXX open any phony nefarious file on me/ Nobody has heard of them? WHY is that????????
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CO)

On XX/XX/2023, I applied on line for an XXXX XXXX credit card. I submitted the application because the offer included several perks, like XXXX frequent flier miles bonus and free checked luggage. 
Although I have a credit score of XXXX out of XXXX ( please see the Credit score attachment ) Citi bank swiftly rejected my application. Citis rejection pretexts were XXXX ) I have a high amount of unused credit and XXXX ) I have recently opened one or more accounts ( please see the attachment titled Citi rejection letter. ) Actually, this rejection is an attempt to force me to borrow directly from Citi! Since my XXXX application Ive been deluged with Citi offers for loans and even a new Citi credit card. As examples, please see the attachments Citi loan offer and Citi new credit card offer.
Consumer complaint received 2023-11-15
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)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. XXXX the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXXXXXX 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
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

I attended XXXX XXXX of XXXX. This was a for-profit school that offered technical training and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX  and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to Great Lakes until a year or so after because I was never notified, and then the repayments were paused because of Covid. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the Supreme Courts decision to forgive these fraudulent loans. 
I have requested that Great Lakes remove these lates, but they are no longer in business suddenly, they merged with Nelnet, and Nelnet says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the Great Lakes account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for Great Lakes are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to XXXX and XXXX.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

This complaint and concern is against Equifax. I have disputed several items and credit inquiries with this bureau. Equifax is the worst credit reporting bureau when it comes to the consumers. When I call, I get the run around and faslse information. I disputed inquiries that I did not authorize and I had a fraud alert on my file and still do till this day. These inquiries are not associated with any account I have or for any Firm offer of credit, Insurance, Employment or court order. Equifax sent me a letter stating, to call the company who put this inquiry on my file. I called all these companies and was told they do n't remove inquiries. And to call the credit bureau to do so. It 's a bunch of back and forth. Equifax do not to attempt to remove unauthorized inquiries. The only thing they do is keep a " fraud alert '' on my file even though noone has ever called me to verify information. And all this inquiries was done online not in person. 
Another concern is I have a company named XXXX on ( XXXX ) on my file. I have attached my credit report for verification. XXXX and XXXX has removed this account that is not mine. However, Equifax failed to do so. Equifax is not and have not properly investigated this account. If the other XXXX bureaus could not legitimate reason for the account and removed it. Why have n't Equifax done so. ( Please remove ) Last but not least. I have attached a letter from Dept of Education. They sent authorization for all XXXX bureaus to remove this account due to rehabilitation. The credit bureaus removed the account EXCEPT Equifax. It still remains on my account only for Equifax. Clearly Equifax is not here to help the consumers when properly verifying and clearly is not upholding to FCRA law.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

This is not a duplicate, Mr. Cooper has owed me for force placed flood since XXXX, they didnt follow the RESPA and regulation X on notifications because I was on the phone with them monthly providing proof. They never returned the funds once t they had proof, they had 15 days to do that, additionally, when they finally did in XX/XX/XXXX, it was the incorrect amount and since I overpaid my mortgage payments in XXXX, they took {$5000.00} from the overpayments and placed it in escrow, they essentially used my overpayment to pay me the money owed back from the force placed flood from XXXX, its ridiculous. This company even used my unauthorized funds to pay Assurant for kickbacks. Thats probably why they kept taking the forced placed flood insurance that they reasonably knew I already had through my HOA.
Consumer complaint received 2024-01-09
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. (CT)

I received a copy of my credit report and noticed some Hard Inquireies that I dont recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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. (PA)

Transunion was supposed to have deleted XXXXXXXX XXXX, XXXX XXXXXXXX and XXXXXXXX XXXX XXXX along with hard inquiries not attached to any accounts on my credit profile. Transunion told me I have to verify these accounts wasnt mine but when I asked can they send over information as to how they verified these accounts they denied mmm any information saying they can not be they dont have the information to do so. Transunion is a scam company
Consumer complaint received 2024-01-09
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (MD)

In XXXX I was repeatedly contacted by multiple collections companies for a {$360.00} telecommunications bill with XXXX that was incorrectly applied. I closed my account years before and paid all outstanding bills with another company. Almost every time I requested information in writing, they would transfer the debt to another company, meaning a new company would call me. When I did receive records in writing, they did not include all payments that I made. The final time I received a call, I asked for their contact information and the person hung up on me before saying anything else. Unfortunately because this was so long ago, I don't have a record of that call. XXXX, with whom I had my contract, no longer exists, either. However, I didn't hear about the debt again until today, XX/XX/2024 from a company called XXXX XXXX. XXXX XXXX informed me that they " are trying to collect a debt that you owe to Jefferson Capital Systems , LLC. '' I would like to file a complaint against Jefferson Capital Systems , LLC for harassing me, failing to submit paperwork in writing, then passing this claim to another agency. 

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CO)

I signed up for an XXXX XXXX loyalty card through Barclays that was supposed to include an interest free balance transfer for 15 months. I paid the 5 % transfer fee and all other charges, and haven't use the card for months. The current balance is {$150.00} below the original transfer amount but I keep getting charged interest and fees. After lengthy debates they removes these fees, but that's not the point. The XXXXBarclays promotion is fraudulent. Their software is not able to fulfill the promises made in the promotion.
Consumer complaint received 2024-04-06
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. (OH)

I have been going back and forth with this company for almost a year with disputing information that was not mine. I have provided so much info for them and they keep telling me it has to stay on my credit report. It's messing up my future. 

Here is a list of the accounts I have disputed multiple times. 

XXXX  XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (VA)

- End of XX/XX/2023 I called XXXX XXXX XXXXXXXX in XXXX, Virginia and requested to cancel my membership. I was told it's done and all is good. Money was still going out of my bank account to pay for membership, so I emailed several times and asked for membership to be canceled. I received an automated reply saying " sorry but we can not locate your account ''. I assumed that my membership was canceled at that point. 
- In XXXX I started receiving multiple phone calls from ABC Fitness Solutions, a XXXX number, saying that they lost my billing information due to a billing error from their end. I simply didn't answer those calls because I thought they were scam calls. 
- Today I received a phone call from a collection agency, a Law Office, asking me to pay a balance of XXXX dollars, and if I don't pay the collection agency will send it to the credit bureau. 

- I have not used the gym since XXXX. The membership status on the Gym application is canceled. They charged me XXXX dollars for XXXX and another XXXX for XXXX. When I questioned them about the XXXX dollars, and what it is for, they said it's money due and they can not answer which part of the contract it's covering. The membership is XXXX and the one-time annual fee is XXXX which I was charged back in XXXX. 

I refuse to pay this amount because I requested to cancel my membership, and the person who answered the phone said it's been canceled. I emailed them to cancel and they said they couldn't locate my account, and now they're saying you can not cancel unless you physically come into the gym and write a handwritten letter asking for cancelation. Meanwhile, my account says " canceled membership '' on the application. 

Notice the screenshots attached. They mistakingly charged me an extra XXXX dollars, and they refunded the money.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Not the first problem with Bank of America. Their business model is to take money from consumers to which they are not entitled, and then refuse to give it back on a timely basis. 

While the amount in question is not that large, if they repeat this process with thousands and thousands of consumers, it gives the bank funds that they can invest and earn money at the expense of innocent consumers. 

If I did that, I would be arrested and charged with a crime, but Bank of America feels they are above the law. 

On XX/XX/XXXX, I made a {$3500.00} payment to my account ending in XXXX. At that time, the balance was {$3600.00}, with the account in good standing. That same day, I made a payment of {$170.00}, paying the account to XXXX. 

The next day, my account was debited for {$120.00} which was presumably the amount due under the autodebit which was set up to pay the minimum payment, resulting in a credit balance of {$120.00}. OK, I guess that could happen, maybe the debits/credits " crossed in the mail '' so to speak. 

But my issue is, Bank of America REFUSES to give me my {$120.00} back, on a timely basis. My suggestion was, apply the {$120.00} to a {$360.00} balance I have in another account, and they I asked to initiate a payment of {$240.00} so both accounts would - today - be at a XXXX balance. 

Bank of America said, OK, but it would take 1 or 2 billing cycles to do. I understand why this is, again, BofA 's business model it to take funds they are not entitiled to, invest them, and give them back at a future time, making money off the backs of innocent consumers. 

Nice scam, maybe BofA can give seminars on how to scam money.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

Previous complaint XXXX This is the second complaint I have had to raise. I have received my check from the first complaint. Have travelled to chase and theyre refusing to accept it because you sent me a check with the number smudged at the bottom. 

This is now 2 months and not receding my funds. The people in the branch were useless and not willing to help in anyway. 

This has also cost me {$50.00} in XXXX trips there and back. 

I want a new check sent out as a matter of urgency and I want to be refunded my travel cost due to this being a fault of Chase bank and not me.
Consumer complaint received 2024-01-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (SC)

This company charges very high interest! XXXX is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by law. This company is guilty of usury. The company removed interest in XXXX however XXXX was paid and the interest only interest was dropped. 
The company needs to stop charging abusive interest more than what was borrowed. 
At the moment, the legal maximum for credit debt in South Carolina is 8.75 %. AF24/7 Charges 279.50 % APR. They also charge You will be charged periodic interest and the Customary Fee from the date of each transaction.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Moore Law Group (NV)

There is info on my consumer report from XXXX XXXX XXXX XXXX XXXX XXXX THE MOORE LAW GROUP that is a result of identity theft. I did not provide written permission or instructions for identification 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 : or is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer