davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I did a promotional balance transfer for {$12000.00} with 0 % interest until XX/XX/XXXX. The transfer occurred on XX/XX/XXXX. When I received my XXXX bill due XX/XX/XXXX, I paid the purchases that month in full of {$970.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$3.00} based on {$160.00} of purchases. I called and spoke with a representative on XXXX and questionned the interest charge. I was told that they would waive the fee ( which they did ) and that to avoid this in the future, I needed to pay the purchases in full each month plus the minimum payment due. I paid the total purchases of {$49.00} and my minimum payment due of {$120.00}. When I received my XXXX bill due XX/XX/XXXX, there was an interest charge of {$4.00} based on {$230.00} of purchases. I called on XXXX and complained and I was told that it's a computation I'll have to complete each month by taking the new balance less the balance transfer and pay that amount. I actually paid more than that amount so the answer makes no sense. She waived the charge again but I have no way of determining what they are charging or why when the transfer balance should be {$0.00} interest and I am paying my purchases in full plus an additional amount. The customer service is terrible and they never have an actual answer as to why the interest is being charged or how the amounts are calculated.
Consumer complaint received 2023-10-10
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. (PA)

XXXX XXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to TransunionXXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet TransunionXXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.
Consumer complaint received 2023-10-10
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)

back in XX/XX/2023 I disputed an account that popped up on my credit file after I went to XXXX  to activate a phone number. I called XXXX to ask why were they now adding it on my credit file when it has been 3 years since I left the company and I have yet to receive any documents from them. The collection agency name is XXXX. XXXX XXXX. 

Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX XXXX Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX- account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX- not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (AZ)

My student loans were transferred from Great Lakes to Nelnet within the last two years. These student loans originated from XXXX XXXX XXXX With that being said, XXXX was involved in several litigations within the past decade due to their sudden closure and other predatory practices conducted. I have received ten or more official notices from the Dept. of Education, Great Lakes, and Borrower Defense to Repayment all informing me that these loans have been forgiven and will be paid in full and removed from my student loan servicer and taken off of my credit report. It wasn't until XXXX of this year that I actually saw the payment go through on my Nelnet account and all of my loans were cleared out as a result. It is impossible to contact Nelnet in general, but I was miraculously able to get through back in XXXX and the representative I spoke to confirmed that my loan balance is at XXXX and the credit bureaus would be informed and my loans removed from there. However, they have not followed through on this and have done some suspicious things since then. This was the only time I was able to get through to someone. For example, in XXXX I got a notice from my credit monitoring service that these loans were removed from my credit report. I was relieved and thought that this would be the end of it. Well, I was definitely mistaken. XXXX weeks later in XXXX, they added the student loans back onto my credit report and increased the loan amounts in the process. They have also done this again in XXXX, minus the removal and reapplication of the loans, just the increase in amounts. They also marked them as " installment loans '' which makes no sense. My loan balance is completely zeroed out per my Nelnet online account and official notice from the Dept. of Education, so why in the world are they doing this and able to get away with it? If they do not correct this mistake I will be taking them to court to make sure this gets resolved once and for all. 

They state that the data reported to the credit bureaus from XX/XX/2023 shows that my loans have been discharged and this is false. As stated previously, they took all of the loans off of my credit report beginning in XXXX and reapplied them back on there in XXXX. In XXXX, the only update was that they reported them as " installment loans '' and added to the balance of each individual loan. They did not report them as XXXXischarged at all, otherwise they would have been removed. 

I actually just put in a dispute through all of credit bureaus in XXXX and it was resolved a few days ago. In that, they stated that Nelnet is reporting the loans as not discharged and that they are installment loans. I will not accept this matter as resolved until all XXXX loans from XXXX are accurately reported by Nelnet as discharged and removed completely from my credit report. I can not trust that this will be done on it's own within the timeframe allotted after what they pulled so far.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reported identity theft fraud to XXXX XXXX XXXX XXXXXXXX and they refuse to remove the fraud from my name and from the credit bureaus.
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MD)

In XX/XX/XXXX, I purchased an XXXX home internet device, hoping to have reliable high-speed Wi-Fi for work. However, after a month of using the service, I was disappointed with the Wi-Fi 's strength, which didn't meet my needs. In response, I contacted XXXX 's customer service, and they advised me to return the device and settle the bill for XX/XX/XXXX. I also requested the service be disconnected since I was no longer using it. 

I promptly paid the billed amount and ensured the device was returned as instructed. However, my situation took an unexpected turn when I began receiving harassing calls from a debt collection company named Sunrise Credit, claiming I owed XXXX {$210.00}. I firmly explained that I did not owe such an amount and immediately contacted XXXX once more to rectify the situation. XXXX acknowledged their error and assured me they would rectify it and communicate this to the collections agency. 

I believed the issue had been resolved until Tuesday, XX/XX/XXXX, when I received an alert stating that a derogatory remark had been added to my credit report by the same collections agency. Once again, I reached out to them, only to encounter a rude staff member who talked over me and insisted that I needed to pay to avoid further damage to my credit. 

At this point, I find myself with no alternative but to seek a resolution to this matter to clear my name and credit report.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (CA)

I filed multiple complaints and disputes regarding my credit report has account fraudulently opened without my knowledge. I have provided my police report regarding identity theft and victim of mail forwarding. But they did not give proper investigation and my credit report still have negative impact from account which was fraudulently opened without my knowledge. So very frustrating and helpless with no resolution in sight. Sigh.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : 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  These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-10
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. (MN)

Attached is a letter from XXXX XXXX  for proof of payment of the the following credit card accounts listed on my Experian and XXXX credit Report : XXXX XXXX XXXX  # XXXX, {$250.00}, XXXX XXXX XXXX # XXXX, {$330.00}, XXXX XXXX XXXX  {$100.00} and XXXX XXXX {$610.00}. I want Experian and XXXX to make a notation that the accounts are paid off and I want the accounts immediately closed, deleted and removed from my Experian and XXXX credit report.
Consumer complaint received 2023-09-25
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. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-01-04
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. (TX)

Several years ago, a property management company for XXXX XXXX XXXX sued me for eviction and a balance of about {$800.00}. The court ORDERED the eviction but denied any payments, specifically citing in the order that the amount owed was {$0.00}. Said management company, unhappy with that decision, FRAUDULENTLY conjured up a balance of about {$1400.00}, and ILLEGALLY sold it to a collection company called XXXX XXXX XXXX. That debt first came to my attention in XXXX, when it was reported on XXXX, and I submitted a dispute along with the court order directly to XXXX. After their investigation, XXXX ACCEPTED my dispute and DELETED the information from my credit file with their bureau. Now, the information is being reported again on Experian. I disputed it again, with all of the aforementioned, and even sent them the results of the XXXX investigation on the information. Experian just concluded its investigation and reported back to me that the information has been verified by the reporting company as accurate, and therefore it will not be removed from my file. Well of course their fraudulent and illegal information that was bought and paid for is reported as accurate, but it sure as XXXX doesnt supersede any court orders. Experian is proving me with no additional avenues or options to get this injustice resolved. I am filling this complaint to have them and EVERY CREDIT BUREAU PERMANENTLY DELETE this information as its negatively impacted my life, affecting my access to capital and increasing my burden of doing business.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (PA)

These accounts from " Transworld Systems '' showed up on my credit report in XX/XX/XXXX as delinquent although I was never contacted by them in any way. Initially, I thought identity was stolen, but apparently this is an attempt to collect on loans from XX/XX/XXXX that I thought were forgiven due to the fact that I am permanently XXXX and on Social Security XXXX due to severe XXXX XXXX & XXXX. I don't understand why Transworld Systems is now, out of nowhere, reporting that I am delinquent on this debt. Moreover, the information they are giving the credit agencies is very misleading because it is showing that the account was opened XX/XX/XXXX. I never opened an account with them, and for them to report this as late without ever notifying me that I owed anything is very unfair. I've called numerous times but the line is ALWAYS busy. I'm not sure, but this seems like a scam.
Consumer complaint received 2023-05-30
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts listed below have violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2023-10-10
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. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XX/XX/XXXX, Select Portfolio Servicing sent an Act 91 Notice on XXXX XXXX XXXX, XXXX, XXXX XXXX. Payments were due the 1st of each month. Due financial issues, the acct was due for 2 payments at {$620.00}. I immediately contacted SPS XX/XX/XXXX ( XXXX ) and a repayment plan was started for {$940.00} beginning XX/XX/XXXX. On XX/XX/XXXX, I contacted and spoke to XXXX to request cancellation of the payment plan. I was able to make the requested amount due {$1800.00} and XXXX processed the payment on XX/XX/XXXX. The payment plan was confirmed cancelled. 
On XX/XX/XXXX, I wrote to SPS to inquire about a fee {$350.00} added to the account statement balance. There was never a notice or explanation of a fee which was arbitrarily placed on the account. The account was paid and up to date. 
On XX/XX/XXXX SPS sent a letter advising my inquiry was received and being reviewed. XX/XX/XXXX, SPS again advised still working on my inquiry of XX/XX/XXXX. On XX/XX/XXXX, SPS had not addressed my original inquiry regarding a lien as well as {$350.00} unknown fee. I advised they had not answered my question in their correspondence to me. 
To date, XX/XX/XXXX, SPS has not provided an explanation of the {$350.00}. There is not a lien nor has there been a judgement submitted to the courts. 
I requested SPS remove the erroneous fee of {$350.00} and also interest accrued on the outstanding which included the {$350.00}