davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-13
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. (MI)

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 XXXXXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (CT)

On XXXX my credit file was flagged with a collection or debt in the amount of {$1500.00}. This is a false debt as I do not owe this debt by no means. 
Also, professional debt has a consent order in place from the State of CT indicating they are not licensed to act as a debt collector in the state of CT. Which they are in violation of this order. Which this consent order is attached to this case.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NY)

I was previously with My great Lakes on an XXXX  XXXX  and my loan was transferred to Nelnet this year. I applied for the XXXX plan in XXXX and XXXX the government website it said based on my income and debt my payment plan would be XXXX. Nelnet said they received the application in XXXX and would send me updates every 10 days. I have received no updates. I have emailed XXXX and tried calling XXXX and have gotten no response. I also can not see the repayment plan they've applied to my account anywhere and have received no correspondence via phone, email, or mail on the status of my XXXX plan or even what plan they have me on. Also rather than going down my repayment amount on the website has gone up when it should be XXXX based on my application on the government website. They are trying to hold me liable to payment despite not telling me what payment plan I'm even registered as or updating me on the processing of my payment plan application. 

I applied for the XXXX plan on the gov website on XX/XX/23 and received confirmation it was received on XX/XX/23 from nelnet and that they'd be in touch every XXXX business days to update and I've gotten no updates or information at all on my payment plans.
Consumer complaint received 2023-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Primary and secondary insurance paid in full. A year after the fact I get a notice for a collection agency stating I owed the provider {$270.00}. On seven occasions from XXXX XXXX XXXX ( see attached letter ) I contacted my primary insurance, and they said I owed nothing. On four occasions from XXXX XXXX XXXX I contacted the provider to no avail. I contacted Experian who provided no help or resolution. I also contacted the collection agency to no avail. 

Experian place a delinquent note on my credit report for the {$270.00} which is unfounded and has affected my credit score. I was informed it would stay on my record until some date in the future. 

I have attached the same documents for your review that I have provided all parties multiple times.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uplift, Inc (TX)

I am writing to formally express my deep dissatisfaction and disappointment with the service provided by XXXX XXXX. I would like to draw your attention to a specific incident that occurred on XX/XX/XXXX, which has caused unnecessary stress and inconvenience for me. 

On the aforementioned date, I attempted to purchase an item worth {$500.00} on XXXX and opted to use Uplifts XXXX  service. To my surprise, Uplift immediately debited an amount of {$120.00} from my bank account as the first installment. However, the same night, XXXX informed me via email that they had canceled my order due to an inability to verify my payment details. 

Given the promptness with which Uplift debited my account, I anticipated a similarly efficient refund process. I waited patiently for a week and when no refund appeared, I reached out to Uplift 's customer service. During my conversation, I was informed that refunds are typically processed within 15 days. Trusting this information, I waited another week, only to be met with continued disappointment. When I contacted Uplift again, I was told that the refund process might take up to 30 days and, to add insult to injury, I might also be liable for the next installment payment. 

This is an egregious and unacceptable practice. With the prevailing interest rates around 6 %, I am appalled to think of the significant sums these financial institutions potentially accumulate through withheld customer refunds, benefiting from daily interest. 

This situation has highlighted an urgent need for improved policies that safeguard the rights and interests of consumers. No customer should have to endure such financial inconveniences, especially when they are not at fault. I urge Uplift Inc. to expedite my refund and re-evaluate their policies to prevent such distressing experiences for others in the future. 

I expect swift resolution to this matter and hope that Uplift Inc. can regain the trust I once had in their services.
Consumer complaint received 2023-10-11
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. (CA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- TRANSUNION -- 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

At Experian the three representatives keep hanging up on me when I attempt to reach the company over denied credit rendering my attempts futile in obtaining the information needed to satisfy my inquiries into the matter. Experian isn't the only one XXXX does it as well. The representatives require more training to handle incoming calls whether someone is calling to update their membership, dispute an item, or dispute a possible inaccuracy on one 's credit report. This has happened numerous times and I'm starting to question myself on their investigation into disputable information. Please address due to the fact that I can not get anywhere with these credit bureaus disputing or inquiring my credit report ( s )
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I disputed this account many times and i even summited a letter they supplied me with stating the account has been closed and they continue to tell the credit reporting agencies that the account is still open even showing payments are being made even thought the account shows a XXXX balance and has been closed for over a year
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (GA)

Believe this is Illegal loan in State of Ga. Lender is not listed in XXXX . Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23, I presented claim # XXXX to Wells Fargo for a fraudulent charge made to my checking account on XX/XX/23 for {$470.00}. I received a response dated XX/XX/23 indicating my claim was denied " because too much time passed before I notified them.I did not receive any alert from the Bank as I have requested. 

On XX/XX/23 I presented another claim # XXXX for {$1000.00} charged to my business account on XX/XX/23. I received another resolution denying my claim for the same reason ; even though it indicates " we need to return any unauthorized CCD payments... no later than the second business day after the transaction occurred '' This transaction was made no later than the second business day after the transaction occurred. Nevertheless my claim was denied. I did not receive an alert either for this transaction. 
I have been a victim of many attempts to take money from my business account. They even recommend I close a previous account and open this one. The results were the same. I have been a client for XXXX  years, never before with any fraudulent attempt and no interest payment. 
I deposited the money in the bank because I don't want it to be stolen in my house. It's a shame the Bank does not want to be responsible.
Consumer complaint received 2023-10-11
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. (LA)

you are in direct violation of the fair credit reporting act XXXX XXXX XXXX Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately
Consumer complaint received 2023-02-20
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, is improperly calculating my FICO Score 1. The date you opened your oldest bankcard or credit card account is too recent 2. Lack of sufficient credit history 3. Lack of sufficient relevant real estate account information 4. Balances on bankcard or credit card accounts too high compared to credit limits
Consumer complaint received 2023-09-02
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. (MA)

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 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NJ)

I am writing today in regards to my account with CitiCard account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in those months since I was impacted by Covid. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2023-10-11
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. (MS)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, d

eposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-10-11
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. (NY)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have received emails, as well as reviewed my credit report for information of reported late payments. The credit bureau agency Experian has consistency lowered my credit score base on inaccurate information. Although the credit report show no late payment, or derogatory information on any accounts the agency has consistently lowered my score for late payments. Please note that no other credit agency has reported the same negative information. I am requesting a complete review of my credit history and current information being provided. I attempted to contact Experian by phone and was not able to speak with a live person and the prompts available do not allow for communication about my particular issue. 

Thank you for your assistance.
Consumer complaint received 2023-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I was in forbearance for the past year. I called my Loan Servicer up at the end of XXXX in hopes that they would put what I owed into the back of my mortgage. I was instead offered a modification which raised my interest rate from 4.75 % to 7.25 % and increasing my payment to almost {$500.00} per month. I always thought especially with FHA that there had to be a net tangible benefit to refi of modify a mortgage. I told them that I would take this as a last option because I didn't want to lose my home. I also applied for the HAF ERMA program that would bring me current with the same terms. 

I currently have an appeal in with the Loss Mitigation Dept to reverse the modification. There were time stamped recorded phone calls with the Loss Mitigation representatives that told me that they were going to escalate my request to cancel of the modification and was instructed to email them to stop the modification, which I did. I'm going to attach the letter that I sent to my loan servicer today which has the dates of my calls to them and what I was advised to do. These cancelation requests were made more than 3 weeks ago. I was informed at that time that it was not to late and that they would cancel the modification which shouldn't have gone through in the first place being that it was incomplete.
Consumer complaint received 2023-10-11
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: ENOVA INTERNATIONAL, INC. (AZ)

I was out of town for awhile with no service for hunt, i get back to town and find theres a inquiry on my report from a company i have never heard of and have no association with.Inquiry was reported on XX/XX/2023. I didnt see it till XX/XX/2023. I looked into the company and its a loan company. I worry that someone has my information and is trying to get a loan under my name and crash my credit score. I talked to my bank and got fraud alert set up now for my report. They recommended i get ahold of XXXX  XXXX  which i did and they said to get a report from you and they will take care of the inquiry on my report. Company name is NetCredit.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (SC)

The following accounts are in VIOLATION! : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-13
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. (TX)

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding late payment accounts on my credit report. Despite making timely payments, certain accounts are being reported as late, which is inaccurately affecting my credit score and financial standing. This erroneous reporting is unjust and has the potential to harm my ability to secure favorable terms for future credit and financial opportunities.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (FL)

ROBINHOOD, a trading platform / bank account provider, is stuck into the typically American banking institution nonsense of " sending SMS messages to authenticate logins ''. When attempting to access my account, I get a " we'll send you a code by SMS '' message and I CAN NOT proceed further because I do NOT use SMS messages- I have a LANDLINE telephone. This results in a catch XXXX - CAN NOT log in and access account, CAN NOT change or delete telephone number and CAN NOT reach company because they DO NOT respond.
Consumer complaint received 2023-07-22
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: SYNCHRONY FINANCIAL (AZ)

I do not have any knowledge of applying for a credit card with XXXX. Nor do I have a contract with the debt collector. I demand this inquiry be removed from my credit report.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have received the Wells Fargo statement that has information about a bank levy of XXXX dollars from my Wells Fargo advantage checking. I could not maintain the Wells Fargo or XXXX accounts in XXXX because of not getting any wages from corporate since XX/XX/XXXX or capital settlement to employ it in other domains. I recently found out my email XXXX has not been deleted by employer XXXX. Since XX/XX/XXXX I was registrant of XXXX.info.I do not have any income from my domains or the software company domains. 
I need to get the legal order that was used to levy the bank account.The bank has not provided me.
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

We have sent 4 wire transfers from XXXX XXXX  to chase bank as below as an investment to a XXXX XXXX and discovered that they are all fraud and scammers accounts. We worked with XXXX XXXX to communicate with chase bank to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Chase bank for not responding and for not reimbursing my funds. 

Date and amount of traansfers XX/XX/2023 - {$30000.00} XX/XX/2023 {$20000.00} XX/XX/2023 {$25000.00} XX/XX/2023 {$25000.00}