davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (TN)

Received an email from EXPERIAN that my XXXX XXXX decreased by XXXX points. After looking at my other scores ( XXXX, XXXX ) and reviewing accounts I determined that nothing has changed. No derogatory circumstance to support such a decrease. This is the second time this has happened ( same exact thing happened last year ), and it is specific to my XXXX EXPERIAN score. I called Experion, and they were unable to help or answer question of WHY? There is nothing to dispute because nothing has changed. I would like some kind of clarification but EXPERIAN is unable to answer any questions. I haven't had any such changes on my XXXX, nor XXXX scores.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My federal student loan servicer is Nelnet. My federal student loan repayment was due XX/XX/2023. I set up AutoDebit on my account on XX/XX/2023 and received a confirmation email. On XX/XX/XXXX, I checked my Nelnet account on XX/XX/2023 and saw a message that said that my account was past due. To avoid any issues, I paid the balance due because I was under the impression that the Auto Debit did not go through. On XX/XX/2023, the balance due was taken from my bank account. I checked my bank account again on XX/XX/2023 and saw that a duplicate payment was also taken from my account.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (SC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (KY)

I am being charged an XXXX amount every month for {$10.00}, I do not have an XXXX  nor do I have an XXXX account. I addressed this with customer service, they denied my refund on XX/XX/2023, I have accrued 4 new charges since this date, for a current total of {$42.00}.
Consumer complaint received 2023-05-22
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. (IN)

When I reviewed my credit report, I discovered that these accounts were 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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: Shellpoint Partners, LLC (GA)

My mortgage loan with Shellpoint NewRez was in forbearance from XX/XX/XXXX through XX/XX/XXXX. At that point when it ended, I was assigned a SINGLE point of contact by the name of XXXX XXXX. He initiated me to contribute forms I needed for loss mitigation to assist with mortgage payments. I have sent forms to them multiple times, 2 to be exact via fax and they somehow never received them. I have had to send forms via fax and mail, for them to only say they don't have it. Fast forward to XX/XX/XXXX, XXXX received the documents and starts his review. XXXX was aware I had an alternate address but did not tell me that I needed a letter or explanation. He also had me send the wrong documents for the wrong program. They stated via phone that XXXX had placed me in the wrong program. For months we are attempting to apply to a program that I was never to be placed into. XX/XX/XXXX, I sent another letter detailing explanation of address, and emailed XXXX to please tell me if anything else is needed as he stated before nothing else was needed. After complaining and changing out point of contacts to XXXX XXXX, they approved a loan modification XX/XX/XXXX. I say this all to say they have reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was dealing with someone, an employee of theirs ( XXXX XXXX, who not very helpful or clear on which program he had placed me in. It took the higher ups to step and state how XXXX did not have his best foot forward in my situation causing confusion and my payments to be marked as late. I later one sold the home in XXXX, however, these late payments are affecting me tremendously. I have tried to speak with the supervisors in Loss Mitigation and to no avail, they will not talk to me. I no longer know where else to go. I want to sue them as of now if I can not get them to correct the late payments as an offer of good will, due tot he mistakes of their employee that was not properly trained.
Consumer complaint received 2023-07-02
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. (NV)

The lender must send a notice that the property was sold must give the date, time, and location of the sale. A defiency letter i never received please provide date in time stamped of items being mailed Request a 1099-c or 1099-a .I never received proper notices show proof mailed sent in received.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MI)

I am a huge XXXX XXXX consumer. I love the store. I have their close loop store credit card that I use weekly. I signed in to pay my monthly credit amount. The store card showed I had a XXXX balance, which I knew was not accurate. It took me a while to figure out that there was a drop-down arrow. When I clicked on it I could see a Visa account that showed my balance on it. I do now have a XXXX XXXX XXXX. I have declined every time the cashier has asked me to open one. I have worked very hard to keep my spending in check and keep my credit score high. I do not want another Visa. But there was a Visa account in my name with a balance on it. To make matters worse, I clicked on it to pay it and a big XXXX XXXX came up that said I have NO MINIMUM AMOUNT DUE. 
I am furious. The interest rate, like all credit cards, is high and I would have fallen for this. 
I called Citi Bank to discuss this and got nowhere. They said I was sent a letter saying this was going to happen. I never received such a letter. And I was never sent a card ... which is even weirder. It shows xxxxxxx on the online statement account so I can't even provide you my account number as requested on the next page of this complaint. 
I hope you can look into this. Seems very sketchy.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has noticeably started gaming low balances again, like the " old days '' of predatory fee-charging of impoverished customer accounts. 

I had a transaction that was pending as a ~ {$15.00} debit on the XX/XX/XXXX, with {$22.00} available balance remaining. On XX/XX/XXXX, the following day, another {$50.00} debit appeared XXXX a recurring charge for XXXX services, not from Chase ). However, my XX/XX/XXXX charge that first posted as {$15.00} with sufficient coverage of {$22.00} in balance was rolled into XX/XX/XXXX. They escalated priority of the XX/XX/XXXX {$50.00} XXXX service charge, resulting in {$22.00} ( balance ) - {$50.00} = negative value, then applied the {$15.00} charge to duplicate NSF Fees. 

If they would have applied the charges in chronological order based on the amounts and dates first appearing as a debit, I would have only received one NSF charge. 

This is one example of many they have done in recent past, and the pattern is noticeable. I thought this practice was banned with Dodd Frank? It's just petty usury and poor service. If I were to go through the last 6 months history this would NOT be the first time, but frankly I'm too tired and broke to pursue any further than this.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accouns mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Consumer complaint received 2023-10-04
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (IL)

I was trying to get my money back from Wells Fargo and get a different kind of account so that I can be able to do what I need for my self with my money
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

I opened a XXXX XXXX America Express credit card and was promised a {$100.00} statement credit after spending the required amount on my credit card. I contacted the credit card company and the customer service representative said that the statement credit of a {$100.00} would appear on my statement in one to two billing cycles. The statement credit never appeared.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY (AZ)

I have look up the ATM Fee Free locations for my Debit card on American Express app. I was told XXXX XXXX is participating in ATM Fee but when I went to use it, the bank charged me {$3.00} ATM fees. I called Amex and explained the issue, they looked up the institution and agreed that they are ATM Fee Free and agreed to give credit and create a dispute case. But I wasn't given any credit despite me calling them many times. This is a proof of systematic and intentional deceptive / fraudulent practices by American Express Bank.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.
Consumer complaint received 2023-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

National credit adjust has falsifying put a collection on my credit reports. I have never had any contact with this company, nor have I ever received proof of this debt by mail, phone, or email. It appeared on my credit report XX/XX/2023. Nor have I had a debt with XXXX  which it lists as the original creditor.
Consumer complaint received 2023-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

Our original home loan was through XXXX  and then it was sold to newrz LLC. We were told by both companies that this would be a seamless process and that they are just picking up were XXXX  left off. That is far from the truth. We have been with him for one month they have paid my homeowners insurance late causing a cancellation and then this morning I'm receiving another cancellation notice from the insurance company because changes need to be made. I In the original garbage that we received that all documentation insurance policies and everything will automatically be transferred and updated. I'm finding this out not to be true. I even called and had everything updated with my homeowners insurance. Had to call them a second time to ensure that it was updated. The lack of communication and transparency is very concerning. 

I am not receiving any documentation letters and or instructions from the new company on why changes need to be made or even being informed of them. I'm seeing hundreds of complaints in regards to this company and their actions. I'm wanting to reach out to find ways to protect myself from them doing any more damage to my home to my finances or even my XXXX XXXX How should I proceed and how can I get someone to actually talk to at this company that actually knows what they're doing? I should not be in fear of losing my home or getting charged late fees for the ineptitudes of a company that has done this to so many people. I'm sure you can see from your reviews and people who have submitted as well as the XXXX XXXX XXXX That this is an ongoing trend I am very scared and nervous for what is the yet to come in the new year. Please help.
Consumer complaint received 2023-09-16
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. (TX)

i went to get a new car and the dealership put too many inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. TransUnion even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, TransUnion reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.
Consumer complaint received 2024-04-05
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. (TX)

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 : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FlexShopper, Inc (IL)

This is information I received from the collection agency, Access XXXX XXXX : A checking account was opened under my name through XXXX XXXX Bank. An account was then opened through Flex Shopper LLC ( also known as XXXX XXXX XXXX ). Repairs were made to a vehicle with the Flex Shopper financing. Installment payments were never made. The company is collecting, on behalf of XXXX XXXX, {$3500.00}. The account was opened XX/XX/XXXX. 

This is information I received from XXXX : An account was opened XX/XX/XXXX ( presumably the date the collection began ). The first date of delinquency reported was XX/XX/XXXX. 

I have not opened either account. I have never received any correspondence from either company. This is fraud.
Consumer complaint received 2023-07-10
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. (NC)

The following accounts are not mine and have not been investigated properly using metro 2 compliance and according to the FCRA standards. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Experian ma own website says it takes up to 30 days to investigate accounts. But these account keep coming back verified in only 5 days how is that possible if you are following the laws.