davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
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: EQUIFAX, INC. (GA)

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my XXXX, EQUIFAX, and XXXX  credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.
Consumer complaint received 2023-02-02
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: Nelnet, Inc. (AL)

Hello, I reached out to Nelnet in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (OR)

Re : Care Credit. I had gone to a medical spa for XXXX treatments  ; I was told that I would be given a discount - 4 treatments and during my 2nd visit the 5th treatment would be free. The 1st treatment was a  nightmare - painful. After 3 days ( the time limit in Oregon to cancel such services from a spa ) I emailed to ( 1 ) cancel 2nd appointment and ( 2 ) voice my concerns. No response ; no response for 3 days. I finally called and verbally cancelled. The next day I got many texts from the anesthetician demanding that I be seen and following treatment at their spa. I was concerned that it would be considered the '2nd treatment ' and I would be charged. I have since seen another medical spa -- treatments are not painful ; a full {$600.00} less than the first spa. 
Synchrony Bank has 'investigated ' and is backing up their merchant, saying there is nothing they can do but I AM BEING CHARGED FOR SERVICES THAT I LAWFULLY CANCELLED AND HAVE NOT RECEIVED. I feel that the merchant and the Bank has being unjustly enriched.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (CT)

Ive contacted the bank several times and provided many police reports ftc and documents and where told that XXXX XXXX  would close and remove from my credit and mail me my payment credit check for {$5000.00}
Consumer complaint received 2023-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA
Consumer complaint received 2021-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have several checking and savings accounts with Capital One Bank. Most recently, I set up a Performance Savings account, which is supposed to have a 1 % APR yield. After reviewing the account, I am only receiving a 0.40 % APR. After speaking with a representative, they stated that they are not obligated to maintain the initial APR offering. My checking, savings, and performance savings accounts are all receiving less than half of what they are supposed to receive.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (LA)

Received letter dated XX/XX/2023 from Genesisfs card services stating there was a balance of {$75.00} on a DESTINY Mastercard which has been put on a temporary block. I originally thought this was a scam, so I didn't call any numbers. Then a week later, I received an actual credit card in the mail that said I had a {$300.00} limit and need to be activated. Several days later a credit card statement arrived with a balance due of {$76.00}, which is made up of {$75.00} annual fee + {$1.00} credit protection fee. This had a due date of XX/XX/2023. We called the number on the statement to report that we had not opened this account. It was the weekend, so they gave us the fraud phone number to call on Monday. On Monday we were unable to get through due to hold times for available representatives. Then a few days later, we received a letter dated XX/XX/2023 stating they investigated claim of identity theft and would remove inquiry and account from credit bureaus. We researched this company on-line and found multiply complaints of people having the same issue and same dollar amounts and it never closed or removed from credit bureaus. We called today and spoke with 2 representatives. They pulled our account and would never confirm there was identity theft, fraud, or even if the account was closed. Again after reading so many complaints about this company and similar situations, we decided to come to you for help.
Consumer complaint received 2024-04-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (AZ)

XX/XX/2024 my CD term matured with a balance of {$23000.00} and I provided instructions for the money to be transferred to a savings account with XXXX XXXX  upon maturation of the CD. On XX/XX/2024, Marcus by Goldman Sachs ( Marcus ) paid out an interest balance of {$38.00} which lines up with their own high-yield savings rate. On XX/XX/2024, I called Marcus and requested to have my account closed or to just transfer the funds from the Marcus account to the XXXX XXXX  account mentioned earlier. Seven days later, on XX/XX/2024, I again called Marcus requesting the same thing. This time, I entered a conference call with a representative from both Marcus and XXXX XXXX  wherein the XXXX XXXX  representative confirmed my account information with the Marcus representative. After this, I was told that Marcus needed to approve the funds transfer and closure of my account and that this should take a few business days. It has since been sixteen business days with no change on either account ( asside from a {$100.00} interest payment made by Marcus on the account ). I am unable to make any transfers on their website, and the link to the transfer page seems to be broken.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Good day, On XX/XX/2020 XXXX and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to XXXX, XXXX ; Experian, and XXXX  XXXX XXXX, XXXX, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to XXXX, XXXX, Experian and, XXXX  XXXX XXXX, XXXX where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (PA)

15 USC 1681a Definitions ; RULES OF CONSTRUCTION ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s- 3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Transactions should not be included on my consumer report if they are not accurate, verifiable, or complete.

15 USC 1681 ( A ) ( i ) -exclusions- except as provided in paragraph ( 3 ) the term consumer report does not included ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report, The late payment on my ( Dept of education/NetNet ) account should not be included in my consumer report because according to the consumer law they are transactions and transactions are excluded from a consumers file. Please update this late payment to PAANL ( PAID AS AGREED NEVER LATE ) and update my payment history " ok ''.
Consumer complaint received 2022-02-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (TX)

I have been trying to get my reverse mortgage settled with Novad for over 3 months and they do not answer phone calls or emails. I did receive an email from XXXX 7 weeks ago stating that if I had some questions he would help. Since then I have sent him 25 emails and he still hasn't responded. Two other people with Novad are on the email chain and their respond is no better.
Consumer complaint received 2023-06-02
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. (FL)

I have an 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 XXXX 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 2023-06-29
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-29
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. (NC)

I received a XXXX in XXXX of XXXX and XXXX continues to report that I owe the entire balance of {$960.00} as of XX/XX/XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to XXXX 's XXXX XXXX XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Good afternoon, I am writing regarding my XXXX XXXX ( XXXX ) account, I was given a cancellation of debt, form XXXX which states that the creditor ( XXXX XXXX XXXX XXXX XXXX has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a XXXX was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the XXXX was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my XXXX XXXX, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a XXXX. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, Transunion, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XX/XX/XXXX. 

Thank you for your prompt assistance regarding this matter.
Consumer complaint received 2024-04-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (FL)

I am a hardworking  individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I got an alert on XX/XX/2022 that my banking information was being used for a transaction in Delaware for XXXX dollars while I was at home in Pennsylvania which is hours away from Delaware. I immediately got on the phone with chime customer service to alert them that this transaction was not me and not authorized by me and I have no idea how my banking information is being used for an unauthorized transaction of XXXX dollars at a gas station in Delaware. They said it was still pending so it may not settle and gave me a ticket number of XXXX for my phone call alerting to them that my banking information was illegally being used to make a purchase without my consent. I waited for the transaction to be cleared off and my money refunded to me but then I noticed chime allowed the transaction to settle even tho I told them this transaction was not me! I then called again to file a dispute and they took all my information and asked me some questions and told me a dispute was filed well they came back and said it was closed. They did absolutely nothing for me they allowed me to be robbed even tho I told them the minute I got the alert of XXXX dollars being deducted from my account for a charge I didn't even make was not me! There has been storied of people 's banking information being stolen through skimming and I believe that is what happened to my banking information. I have not disputed anything with my bank before and the one time I do they do not do anything to help me get my money back that was stolen from me right before XXXX, money that I need for my kids and bills.
Consumer complaint received 2022-11-28
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: Bridgecrest Acceptance Corporation (CA)

I recently received a copy of my credit report and found that there are several accounts, that are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collection with a past due balance or XXXX balance. 

BRIDGECREST, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is a violation of the FCRA and is in violation of requisite XXXX XXXX compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report and required to remove any information that is not true, inaccurate, compliant, and verifiable. I demand that the above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-06-02
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. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-07
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)

Inquiries are supposed to be removed in 24 months. We are now in the 25th month and they still have 3 inquiries on my report. This is not the first time this has happened. Experian is not following protocol and removing inquiries in a timely manner affecting credit!
Consumer complaint received 2023-06-02
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
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. (GA)

On XXXX I disputed the inaccuracy of a collections account XXXX & XXXX. This account is reporting as open, with Trans union, and XXXX. This is a violation to report a charged off account as open. This needs to be removed immediately.
Consumer complaint received 2023-06-29
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. (GA)

I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after Biden lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders.