davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : COMMONWEALTH FINANCE Attention Fraud Department XXXX XXXX XXXX XXXX company, CommonWealth Finance on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted immediately.
Consumer complaint received 2023-10-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I obtained the loan on XX/XX/21 with an apr 35.97 % in the amount of {$10000.00}. It has been close to 2 years and the balance ad of today is {$8800.00}. I reviewed documents to find that the loan is on an amortization schedule with a total interest of {$12000.00}. Maybe Im not the best at math but that seems like way more than 35 % and insane. I asked if I could have the loan reworked for a better interest rate and they declined. I am having a very difficult time paying this down with each payment of {$390.00} thus far going mostly to interest. I feel like the fees and rates on this loan are very excessive and predatory in nature. Yes I needed the money and I signed on the dotted line but at this point Im wondering if I will ever be able to pay this off. Ive asked them for help. If I dont pay they report it which hurts my credit and when I do pay it barely makes a dent. Im not sure how you can help but I do want to let you know how this business is operating on others misfortunes and need and making it very difficult to resolve accounts. I have come to understand this company is associated with XXXX XXXX and both have ceased any loan originations. Loan Me continues to work on outstanding loans which XXXX XXXX is defunct due to legal and regulatory actions. Same company!!! Though Im not sure why Loan Me was allowed to continue business under the same owner. Quite frankly this is loan sharking.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I recently looked at my credit report with Experian and couldnt believe what I saw, I was in complete shock! I found a collections account with an incorrect address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to the company to provide me with original contract and the lady said they can not provide it. 
Please delete this collections account from my credit report as the address linked to the account is not my address and it is inaccurate. Thank you very much
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

My online banking account was blocked by Ally bank due to a potential fraud with a XXXX transaction. Someone who wanted to buy my car had disputed the amount paid for deposit of the car and Ally bank blocked my account with no farther information. 
I have a written contract with the person who I received the money from and had provided the contract to Ally for verification purposes but did not receive any feedback. 
Its been 6 days since my account is blocked and I can not make or receive any payments. 
I tried calling customer service multiple times unfortunately they either hanged up the call or had no answer for me.
Consumer complaint received 2023-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

I sent Navient a copy of my identity thief report over XXXX years ago asking them to remove me from this fraudulent account which is account # XXXX. I was told that I would still be on the account after sending my report. I was told that the file was overlooked and I would still stay attached to this fraudulent account. I expressed how I felt about this decision but was basically told that doesnt matter I asked them to send me copies of this account with all transactions but was told several different things about why I can not receive anything. I then sent a cease and desist letter on XXXX attached with compensation payment demand because of the abuse and harassment and still is receiving from this company but no reply. I gave them 14 days to respond but no reply. I called them after i received a letter in the mail after me to again associate myself with this account. Please can you help with me with this issue. Thank you
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Upon reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX were made without my consent, which is a violation of my rights under the FCRA, FACTA, and FDCPA. Enclosed with this letter are copies of my credit report highlighting the unauthorized hard inquiries for your reference. I request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. The FCRA requires that credit bureaus investigate disputes regarding inaccurate or unauthorized information in a timely manner. Therefore, I request that you investigate these unauthorized hard inquiries and remove them from my credit report as soon as possible. Failure to comply with the FCRA, FACTA, and FDCPA may result in legal action. I trust that you will handle this matter with the urgency and seriousness it deserves. Please inform me of the results of your investigation and any actions taken.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have to request for my balance to reflect correctly with each credit reporting agency each month. XXXX XXXX reports on time, they've provided proof. For whatever reason the reporting agencies delay updating the account the account information ; there is a 60 day delay. The balance owed is incorrect, I only owe {$470.00} to XXXX XXXX.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Nelnet has so far been extremely unhelpful and sometimes directly antagonistic to me simply attempting to pay my loans.

I applied months ago one of the student loan programs and was approved. Funny enough, the amount matched what I had been paying already. However Nelnet has now attempted to begin double charging me. 

Their customer service is non-existent. Even as I write this I have been on hold for an XXXX XXXX XXXX minutes. They refuse to answer emails, drop calls, and their employees seem uninformed at best. All I am trying to do is make my payments and they are making it as difficult as possible.
Consumer complaint received 2023-10-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I applied for XXXX XXXX  and was approved on XXXX XXXX and received an approval letter. Later the following week, I received a call asking for additional information and was told verbally that I was no longer approved after making personal and financial decisions to reflect that decision. At this point I had already paid the company XXXX dollars and was promised a refund within XXXX business days and email confirmation of my denial. Neither was received, in fact I was constantly calling and emailing trying to get confirmation and proof of everything because I found it very unprofessional and unethical to approve an application, deny it, and not provide a refund within the time promised. Fast forward a year later, this company is trying to say I owe {$440.00}. This is almost laughable and just disgusting that companies are even doing things like this to customers. How are you trying to come up with a debt that I DONT owe a whole year after not responding or even sending me a whole {$740.00} back. This is literally the most I can type right now because it's shocking that my information can even be sold without my permission, and no one does anything about these unprofessional, greedy, unethical companies.
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediatel
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

I applied for a Chase CC, the application process and receipt of the card was seamless. The issue is the double hard inquiry. I have one hard inquiry on Chase and another on Transunion. I requested for documentation regarding why XXXX hard inquiries instead of one would be applied to a consumer for a CC and I could not get any answers. I also requested if XXXX inquiries are needed to solidify information why isn't XXXX of them a soft inquiry instead, again I could not get any answers. 

XXXX of these hard inquiries should be removed, I have not had any bank perform XXXX hard inquiries at the same time for XXXX line of credit.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2023-10-17
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXXXXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TRANSUNION - HARD INQUIRIES.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these hard inquiries on my Transunion credit report ( above ) are fraudulent. Someone has been using my information. According to Fair Credit Reporting Act 15 U.S.C. 1681-1681x & FCRA Section 605B, it is illegal to report information on my credit report without my permission. I would like said inquiries removed from my credit report now and would like to see updates to my credit report within 24-72 hours.
Consumer complaint received 2023-10-17
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-11-13
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. (TX)

FCRA violations Not my credit card XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2500.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off/Never late. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
never lived here XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Single family not my phone number ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-17
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023, Capital One bank froze my withdrawals out of my checking account. I have approximately {$300000.00} in the account which is pretty much all the money I have and they wouldn't give me any information as to why, when or how I would receive my funds, the investigation would take or why this was happening. They wouldn't give a timeline, a reason, or any resolution to get my funds out. All the funds deposited into my account were valid wire transfers from my partners account from the sale of a business. I never used the account for any suspicious transactions, i currently have XXXX credit cards with their bank, and verified my identity multiple times with them. This is the worst experience i ever had with a bank ever and i dont know why when i opened my account with Capital one, they asked me to fund the account and so I did, and XXXX month later, they held all my money. Pretty much a bait and switch robbery. Depost your money here and we will keep it and not give you any information.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (FL)

XXXX - Attempted to locate my current APR but was unable to on the US Bank customer portal. 
Reviewed my most recent statement to see XXXX different rates listed. 
Contacted customer service to get the accurate APR rate and have the inaccurate rates removed. I was initially informed to review my statement for this information. I informed the representative of the confusing information to which the response was similar to " well, that's where you find your rate. '' I asked to speak to a supervisor. I was transferred to the supervisor who informed the XXXX of the APR rates were for previous balances from previous years. I asked how I was to interpret that with the limited information provided, to which I received a response similar to " oh, I can see how you would be confused. I was also informed that there is no way to remove the inaccurate APR rates. 

To tell a customer to review the statement for the XXXX only to find it is very confusing to determine which is the correct rate is very dishonest and misleading.