davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

3 Vanilla gift cards were purchases for {$130.00} each plus activation fee of {$5.00} each ( total {$420.00} ) on XX/XX/XXXX from an XXXX store @ XXXX XXXX, XXXX, TX, XXXX. 

All 3 gift cards had the CVV already scratched off when they purchased. When they were attempted to be used, the {$130.00} that was loaded onto them was already spent and they had XXXX balance. 

Contact was made immediately with Vanilla through their phone line on the back of the card and a case was opened ( Case ID XXXX ). emails were also sent to Vanilla with the purchase receipt and a picture of one an intact card packaging. on XX/XX/XXXX I received one replacement card for {$130.00} and the case was closed. Other attempts to reach Vanilla have been fruitless.
Consumer complaint received 2024-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (GA)

I am writing to file a formal complaint against Freedom Mortgage regarding the protracted and inefficient processing of my forbearance request, which has persisted for over five months. Despite diligently providing duplicate documents as requested, the progress has been disappointingly stagnant. Moreover, the repayment solutions offered present an undue burden, with both options threatening to increase my monthly payment by {$400.00}. This exacerbates the financial strain resulting from job loss, which initially prompted the forbearance request in XX/XX/2023. At that time, my wife was unemployed, while I was the sole breadwinner. Circumstances have since evolved with my separation from the company, leaving my wife as the sole income earner. I urge the Consumer Financial Protection Bureau to intervene swiftly, ensuring a fair and expedited resolution to this pressing matter.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

CAINE & WEINER, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). CAINE & WEINER obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2023 my car ran out of gasoline on XXXX north before exit XXXX and I called the merchant XXXX XXXX XXXX  ( AKA XXXX XXXX XXXX XXXX ), which I obtained from my insurance company. I was charged {$370.00} via a web link to my cell phone at XXXX in order for the merchant to deliver 2 gallons of regular gas. My exact location was XXXX, XXXX. They indicated they would be there within XXXX minutes. A police officer pulled over and informed me that XXXX  state law allows only authorized merchants to provide roadside assistance in that area. The officer then called the XXXX  Turnpike Authority to dispatch a service vehicle. I called the merchant and let them know of this information, which was about an hour after my initial payment. They sent me an email to trick me to 'cancel ' my request in order to leveraged their terms and conditions and not refund my money. When disputing the charge with American Express, my credit card company, they indicated that the merchant 's policy doesnt allow for refunds. I called the merchant who indicated they would give me a refund, but they would not provide this statement in writing or email. I offered to give the voice recording of this conversation with the merchant to Amex but they do not accept audio evidence. This vendor has had numerous similar complaints posted by the XXXX XXXX XXXX and the address for their company of XXXX XXXX XXXX, XXXX, XXXX  XXXX with the email of XXXX appears to be a residential apartment held by an individual, rather than a real business, further indicative of fraudulent activity. 

I have attached evidence to show the Authorized Vehicles permitted to provide service in XXXX XXXX which excludes XXXX XXXX making the service they offered illegal and a fraudulent representation of their capabilities. I have also attached the road service rates, which is a XXXX  law ( XXXX XXXX ) which indicates the maximum a merchant is allowed to charge for roadside services which is a maximum of {$81.00} plus the cost of fuel. I also have attached an email from XXXX XXXX, Incident Management Coordinator, who indicated no outside agency [ XXXX XXXX  ] called on my behalf to the XXXX Transit Authority to provide services. The original invoice from the merchant is also attached. I have attached the documentation from American Express showing their investigation. 

American Express has failed to review the evidence I have provided to them despite my escalating it to the manager, XXXX on XX/XX/2023 and then XXXX on XX/XX/2023. The managers indicated that if the service was illegal then the merchant 's no refund policy would not be upheld and I should get the charge reversed and credited on my account. However, they have not upheld what they have told me and protected their customer, myself, from this fraudulent merchant and bogus charge despite the infallible evidence I have provided.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Recently, I tried to pull my credit report from XXXX but the representative can not verify my identity because of My SSN on the record from XXXX is not mach the record and my SSN is with me for 11 years already, now I'm not even be able to pull my credit with my SSN, that is really inconvenience for my life Please help me with the issue for correct my SSN with XXXX
Consumer complaint received 2023-02-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc. (TX)

Received Friday, XX/XX/2023, XXXX XXXX " FROM : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt-collector. Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts '' I replied stop. These messages have continued, documented on Monday, XX/XX/2023, XXXXXXXX XXXX and Friday, XX/XX/2023, XXXXXXXX XXXX  Phone calls not included, but have been made since. 

Because my name is not XXXX and I have asked them to stop I would like to pursue this further.
Consumer complaint received 2024-01-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (KS)

account XXXX XXXX/ XXXX XXXX XXXX XXXX, I didn't know there was a bill, idenity theft had to be what happened. so therefore if i didn't make this bill it isn't mine. Im certain i never signed up for this. Please except My concerns on this matter. Have a wonderful Day. Happy XXXX XXXX.
Consumer complaint received 2024-01-01
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: Cascade CISS Holdings, LLC (TN)

I have sent certified letters to the credit bureau 's in concern about these inquiries. 
The last date I sent letter out was in the month of XXXX, XXXX. 
XXXX. XXXX ( never applied for an account here ) XX/XX/XXXX XXXX XXXX ( never applied here ), XX/XX/XXXX XXXX. Xactus / XXXX XXXX  ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXXXXXX XXXX  ( should have only ran my credit one time, Its two ( Remove one ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( never applied for a mortgage until XX/XX/XXXX ). not mine XXXX XXXX ( I have a n account with them, but haven't applied for anymore loans since XXXX, they're showing it as a vehicle loan and it's a regular loan. it needs to be changes. 3rd time requesting this. 
XXXX. XXXX XXXX ( never applied ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) I did a settlement offer with them, the last representative lied to me and stated that once I paid the last payment, which was over {$1000.00} that it would be removed off my credit report. She lied about it, and I tried to dispute it because they couldn't provide me with signed paperwork, cause there are a third party, a company that buys individual accounts.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (MI)

Nelnet sent a response that their information was correct and I was late on my payments. They sent payment records that did not include the previous payments that were made prior to the " late '' payment and how they were not appropriate applied to the past due amounts. I sent proof of the previous payments via email ( in reply to their email ) on two different occasions with no response. My credit score dropped by XXXX points because they reports 16 loans individually even though the payment was made. They are not responding to my email I sent with the proof or correcting the negative credit reporting.
Consumer complaint received 2023-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MA)

My student loans date back to before 1989. I deferred payment when I had XXXX children and couldnt make enough money to live and pay student loans. I am XXXX XXXX XXXX and have been repaying the loans for almost 35 years. I have paid back MUCH more than I borrowed and imagine at this point, I have been paying more than $ XXXX for years and have repaid at least twice, maybe three times the amount I borrowed. The service provider has indicated that I STILL owe more than {$22000.00}. The interest I have paid on these loans has been greater than the amount I borrowed and this is grossly unfair. I have repaid the amount I borrowed decades ago. Whatever the amount left, it should be forgiven and determined to be paid in full.
Consumer complaint received 2024-04-16
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Attn CFO : Attn. Chief Compliance Officer Account # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and I noticed some late payments furnished on my consumer report : List of the accounts with late payments along with their account numbers. 

XXXX OPEN LATE PAYEMENTS XXXX CLOSED ACCOUNT LATE PAYMENTS Late payment status reporting inaccurately Update this non metro two compliant account to paid as agreed because the Date Last Active : XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX reporting inaccurately and inconsistently with all three consumer reporting agencies.
Consumer complaint received 2023-12-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

I received a collection notice on or about XX/XX/2023 from XXXX XXXX XXXX for {$130.00} on behalf of XXXX " XXXX XXXXXXXX XXXX XXXX XXXX  ''. I called XXXX XXXX XXXX for information on the debt and the supposed creditor. A collector answered, " What a waste of time this call is. Either pay it or it will go on your credit report. It's for a utility bill. '' I mailed the notice back to XXXX XXXX XXXX, with a handwritten note indicating what the collector told me. 

On or about XX/XX/2023, I received a second collection notice from XXXX XXXX XXXX for a new balance of {$130.00}. 

The Nevada XXXX of XXXX website does not list any " XXXX XXXX XXXX XXXX  ) '' as a legal business entity, nor does the XXXX XXXX XXXX XXXXs office list it as a fictitious business name. I recently moved back to XXXX from XXXX XXXX, Nevada. XXXX XXXX is the XXXX XXXX I ever did business with while in XXXX. " XXXX XXXX '' is a XXXX XXXX name in XXXX -- there is a XXXX XXXX XXXX and a XXXX XXXX XXXX. 

Based on the dearth of information provided by the collector at XXXX XXXX XXXX, I have no idea which utility he is supposedly collecting on behalf of or what services were supposedly provided. 

XXXX XXXX XXXX 's Reference Number : XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I have made multiple request to have XXXX, XXXX XXXX, XXXX and the XXXX accounts from XXXX removed from my credit report as it is reporting a charge off that is damaging my credibility. 15 USC 1681e ( b ) clearly states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. Well according to the IRS, canceled debt ( chargeoff ) is gross/ordinary income. Income DOES NOT get reported on a consumers report!
Consumer complaint received 2024-04-16
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. (TX)

On XX/XX/XXXX I submitted a complaint for information on my credit that is a violation of my rights and consumer law. 

Transunion responded and did not correct this on XX/XX/XXXX. They are willfully non compliant and violating and this is my last attempt before litigation to have this resolved They are reporting the account XXXX With a late payment for XXXX. This is a billing error under 15 USC 1666b. 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 days a consumer agency cant report without my written consent or permission The XX/XX/XXXX payment needs to be corrected to show current
Consumer complaint received 2023-10-31
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. (FL)

Hard inquiries are on my account that I didnt authorized or approve to be used by multiple companies. Ive asked for verification that Ive tried to complete these actions and they never provided that information.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-25
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)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX data breach may have got into the hands of the wrong person.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (NY)

Someone got a hold of my XXXX XXXX card with moneylion and charged more than {$1000.00} all in one day. Moneylion claims that because he used my PIN, the charges can't be refunded.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

Nelnet has refused to properly update my student loan balance on my credit report for four months now, and they flat out refuse to help when I call them. Once again, my credit reports are incorrect, and the only way to attempt to fix them is to waste my time filing a dispute with the credit agencies. 

It is impossible to get a hold of a representative at Nelnet who can actually do anything to help. It is near impossible to get a hold of any representative at all. They will claim that they are busier than usual, and they are sorry for the inconvenience, but they know darn well that they refuse to hire enough people to handle the job, and train them well enough to do actually do anything remotely helpful. They have no problem wrecking people 's credit scores, as there is no consequences for their actions. This is a scam, and Nelnet does not deserve to stay in business.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (WV)

Around XXXX of 2022, I made a request to Great Lakes for a refund of the payments made during the Federal student loan payment pause. I received a payout on XX/XX/2022 of these funds, however, my loan balance changed to a number I did not expect. I tried to reach out to the company over and over to no avail. Then the loans were transferred to Nelnet, with this new balance and no ability to view my account history. There is about a {$10000.00} discrepancy between my current balance and what I believe it should be. I was awarded around $ XXXX in students loans during grad school. I finished paying off my old XXXX loan at that time as well. My loan was awarded in 4 payments of around {$7500.00}. I know that I paid at least one back in full as soon as it was received, and then I paid $ XXXXmonth the rest of the time. Even with the refunds from the period of the payment pause where I kept making payment, my balance is still {$10000.00} more than it should be. I didn't think there was anything I could do about this after the lack of response from Great Lakes, but I've recently seen cases of the same thing happening to others.