davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (OH)

I took out a student loan with Sallie Mae in XXXX for the amount of {$14000.00}. The first disbursement occurred on XX/XX/XXXX for the amount if {$7100.00}. After the disbursement I opted into Sallie Mae 's option to pay {$25.00} a month while in school to keep the accrued interest down. Upon receiving the second disbursement of {$7100.00} on XX/XX/XXXX I discovered I only needed a small portion and paid {$6000.00} back on XX/XX/XXXX. After that repayment in XXXX of XXXX Sallie Mae stopped including the {$25.00} for that specific loan in my monthly billing / payment. As a result, since the last payment in XX/XX/XXXX my loan has accrued {$3600.00} in interest. 

I began making full payments to Sallie Mae in XXXX of XXXX. The Sallie Mae app provides you with a total " current amount due '' for your whole loan portfolio each month. In XXXX of XXXX I decided I wanted to begin paying more than the suggested amount. Upon doing so realized that the loan I had taken out in XXXX said " no current amount due ''. After looking at the detail of my payments I noticed that out of the suggested amount I had been paying each month for the past year, none of it had been going towards that specific loan ; allowing it to accrue {$1200.00} in interest over this past year. 

Upon reaching out to Sallie Mae for an explanation as to why the app was not applying payments to my highest interest rate loan, they stated that because I paid that {$6000.00} in XXXX my loan was now considered to be in " prepayment ''. As a result, and WITHOUT MY KNOWLEDGE, the suggested payment amount from that point forward no longer included that loan even though the loan was still accruing interest. It was not until I decided I wanted to pay more than the suggested amount that I was able to decipher that the " current amount due '' for that loan had been XXXX even though it was accruing mass amounts interest, ultimately growing to a balance that is now {$3500.00} more than when I initially repaid the {$6000.00} to a total of {$11000.00}. 

I called Sallie Mae and spoke to a representative who even agreed with me and said that they see where I was misled to believe I was still paying on all of my loans, and that they see how the app itself can be misleading. Even still I was told that there is absolutely nothing that they can do. 

I find it wrong that even though I have been making the required monthly payments to Sallie Mae I am now worse off than before because they failed to inform me that a prepayment would excluded that loan from my monthly payment. I believe Sallie Mae should be held responsible for these actions in some way. Please help.
Consumer complaint received 2024-03-27
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: OneMain Finance Corporation (NC)

Requested main financial to help me improve my credit score by touch base with the owed companies to consolidate all owed companies and/or reduce owed amounts. 
I paid 1st payment/down layment for thier services and had to repeatedly call them to get answers on what they had done/completed/achieved so far, with no help or answers from them except they were working on it and waiting for replies from owed companies which went on for almost a half of a year when I felt like it was a waist of money. I got scammed, and they did not fill full thier part of the agreement.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (GA)

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (AZ)

Per CRA dispute in XX/XX/XXXX with the following USPS tracking numbers XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX numbers and EQUIFAX Disputed Item Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item XXXX. XXXX XXXX XXXX XXXX XXXX Certified Mail Receipt and XXXX XXXX XXXX XXXX XXXX XXXX USPS Tracking numbers and XXXX Disputed Item XXXX 15 U.S. Code 1681a - Definitions ; rules of construction Even though the above CRA reported all disputed items were 100 % accurate, I believe most information and investigation process was one-sided and not fully in complaint per the following ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Since15 U.S. Code 1681a states clearly that " my consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '', then it means that most of these information are not accurate and should therefore be classified as inaccurate. With not prejudice, my CRA investigation and information obtained from one source, especially creditors is not accurate.

Question ( s ) to the above CRA : How was the investigation conducted Who did the CRA spoke to How do you know these information is accurate per cyber security bridges and gaps where my information had been compromised and notified by the Department of Personnel as a former XXXX XXXX XXXX
Consumer complaint received 2020-07-30
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: AMERICAN EXPRESS COMPANY (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (GA)

I am writing to formally dispute a late payment that is still being reported on my credit report for my student loan account. The late payment in question occurred over 5 years ago, and I believe it is necessary to address its reporting status due to recent developments regarding student loan debt. 

To provide context, I want to highlight that the student loan account in question has been deferred and I have never had any other late payments. Despite the deferred status, the credit report continues to reflect the late payment from over 5 years ago. However, I want to bring to your attention that there are ongoing discussions and movements in the United States government to address the issue of student loan debt and potentially remove it from individuals ' credit reports. There has already been motion for the debt be removed from government workers. 

The inclusion of this late payment from several years ago significantly impacts my credit history and may limit my financial opportunities. It is crucial to consider the evolving landscape surrounding student loan debt and the potential implications it may have on the reporting of such information. 

In light of these circumstances, I kindly request your assistance in investigating this matter thoroughly and reassessing the reporting of the late payment on my credit report. I believe it is unjust to continue reporting this late payment, given the passage of time and the potential changes that may be implemented regarding student loan debt reporting. 

Please take into account the following points : The late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain a responsible payment record. 
The account is currently deferred, as indicated by the documentation I have provided, and is not in an active repayment status. 
The current environment surrounding student loan debt calls for a reevaluation of reporting practices, as there is growing momentum to address the burden of student loans and potentially remove them from credit reports. 
I kindly request that you review this matter with consideration for the points mentioned above. I believe it is essential to rectify the reporting of this late payment, especially in light of the potential changes to student loan debt reporting that are being discussed. 

Please provide me with a written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this dispute and ensuring the accuracy of my credit profile.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2023-12-14
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: OneMain Finance Corporation (ND)

There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2021-02-05
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: National Credit Systems,Inc. (TX)

Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX  XXXX and XXXX XXXX XXXXXXXX. Please update and correct.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Made a purchase at a local XXXX XXXX XXXX in XXXX of last year. HD was offering a promotion. XXXX percent interest for XXXX mos on all purchases made over {$190.00}. Must use HD consumer card. Minimum Monthly payments required. I also requested a covid 19 assistance program where 2 months of no payments ( interests free ) would be added. Balance must be paid in full at end of 3 mos or interest would be charged. So, my final payment for the promotional period went from XX/XX/2020 to XX/XX/2020 at XXXX interest. My payment date is the XXXX of each month. Always made the minimum payment of more. Never noticed any interest charged on my account until I received my XXXX statement via email. Balance should have been {$44.00}. Was {$46.00}. I was charged {$2.00} interest on an interest free promo. Citibank offers credit for the the XXXX XXXX store card. I was wrongly charged {$2.00} XXXX. I am paying my balance off. I do not want a credit to my card or account. I want to receive a check for {$2.00}, since I already paid this.
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

Credit Collections continues to allege a debt that I owe that I do not. I have made no agreements or have any obligations under law to pay these allege debts. Credit Collections did not get any court orders stating I had to pay this debt which they need court authorization to collect this debt
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The ATM shut down at fifth third bank XXXX XXXX XXXX XXXX XXXX fl XXXX and did not dispense my cash, yet my account was charged XXXX dollars. This is my home branch and I pull the same amount from this ATM once a month. I opened a dispute and the funds were credited to me. 45 days later they reversed the credit. I asked for them to review security footage and was told they don't have any due to the machine being down. I received a letter stating the ATM was balanced and thats why my claim was denied but was told by a rep it was XXXX dollars short. They can not show me any evidence that I received funds. I contacted the teller XXXX while in the ATM drive through line to inform of the malfunction before I filed for the dispute. Now they have told me it will take an additional 30 days to conduct another investigation. I call daily to check the status and get different information every time, sometimes they even hang up on me. Camera footage would prove I did not receive funds and conviently they do not have it. They have no proof I received funds whatsoever but still hold me accountable for a malfunctioning machine. Seems to me I shouldn't have to prove my innocence, it should be the other way around. Never in my life have I been so upset with a bank, they have in fact stolen XXXX dollars from me and have no evidence whatsoever of anything otherwise.
Consumer complaint received 2023-07-11
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: FORD MOTOR CREDIT CO. (FL)

In accordance with the Fair Credit Reporting Act Convergent Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

( XXXX XXXX XXXX XXXX XXXXXXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( 3 ) Experian did not remove the unauthorized inquiry from in spite of many warnings
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (TX)

Based on the unapproved request, today I'd like to inform you that there are still accounts on my credit file appears inaccurately, so for that, I would like you to help me to correct these accounts which I never been late to pay my credits. FCRA 605B requires to correct these accounts : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} ; OFFICE OF THE ATTY GEN XXXX  Balance : {$1800.00} ; OAG CHILD SU XXXX Balance : {$5100.00}.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Sincerely yours, _________________________________________ XXXX XXXX