davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Bronstein & Weiss Arbitration (FL)

not sure what the debt is for have n't talked to any XXXX someone named XXXX XXXX is calling my cell phone and family members threatening me and my family members that a citation will be issued and served. he states I can stop the process if I pay restitution. the company he says he is calling from is wise law offices? 
but when return phone calls it goes to a answer machine ph # he leaves is XXXX ex XXXX calls from XXXX
Consumer complaint received 2022-11-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unverified unauthorized accounts, I am a victim of identity theft and found these reported on my file and since then Ive filed a ftc report and reached out to creditor and XXXX to have them removed but they still reflect
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America promised to re-open my closed account if I provide evidence from XXXX XXXX that they did not honor my check because of signature issues and not because the funds were unavailable. The evidence from XXXX is attached and it was given to Bank of America management as an email attachment since XXXX 2016. <P/>The issue I am now having is why I keep getting a bank statement for my checking account ( account # : XXXX ), but in my online account it shows that I only have a mortgage account. My checking account was supposed to be open so that I can deposit money and pay my mortgage online without coming to the bank. Can someone please reopen my account as promised? <P/>Thanks.
Consumer complaint received 2024-02-29
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (NJ)

For EXPERIAN. These companies have fraudulently pulled my credit without my authorization. I believe this is fraud. I need these inquiries removed immediately or I will take further action. I have contacted these companies for weeks and nobody is responding to me. Please look into this as soon as possible. Thanks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANNER CORPORATION (OR)

This was a credit line at Banner Bank and the interest rate set at 2.74 % .On XX/XX/23 I called to transfer {$5000.00}. I normally can do it online however this time someone at Banner Bank had to do it. A few days later I received a bank statement that showed the interest rate had gone up to 8.99 %. I called my branch manager and he said the one year XXXX rate had expired and there is nothing he can do. My complaint is the day I made the telephone transfer if that girl would have told me the rate would change the next day I would not have transferred the money. I believe she should have informed me the one year rate had expired and the new rate goes into effect the next day. I have since paid off the loan but it cost me {$170.00}. I think it was a " Bait and Switch ''. I want my {$170.00} back or I am going to a different bank. I am inclosing the statement from Banner Bank. 

Thanks XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Gotmortgage.com (AZ)

XX/XX/XXXX closed on loan promised payment to my account by XX/XX/XXXX, it is now XX/XX/XXXX, they have not funded loan and have not called me back but XXXX cant confirm problem because Lending3 is not returning my or their calls or emails. They also tried to close the loan on XX/XX/XXXX with wrong documents and charging me {$5000.00} more than what I had previously agreed to and signed off on and when asked for right paperwork they threatened they were going to cancel my loan if I didnt sign the wrong stuff which I still refused so they finally got the right paperwork to me. But now I am awaiting the funding and the funds put into my account and they have disappeared and wont return calls.
Consumer complaint received 2023-05-21
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-02-13
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  - Acct # XXXX, XXXX XXXX - Acct # XXXX, XXXX XXXX XXXX - Acct XXXX XXXX, XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX, XXXX XXXX  - Acct # XXXX 15 U.S.C 1681 Section 602A : States I have the right to privacy. 15 U.S.C 1681 Section 604A, Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written or verbal instructions or permission to share my account information.
Consumer complaint received 2023-02-13
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)

Fraudulent accounts police report on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (CA)

On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE. 
MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH TRANSUNION XXXX AND XXXX. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately
Consumer complaint received 2021-06-22
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: Credit Center, LLC (FL)

Credit Center , XXXX is reporting a delinquent medical collection account to the credit bureaus under my name. I have sent multiple debt validation letters to Credit Center , XXXX. I sent the original request for debt validation letter on XX/XX/21 via USPS mail. I sent a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt ) I did not receive correspondence from Credit Center XXXX after my first validation letter was sent out. They waited for me to file a complaint with the Consumer Financial Protection Bureau at which point they still did not provide CFPB or myself with sufficient validation of this alleged debt, instead they attached an XXXX  spreadsheet with a manually typed " timeline '' and a notation that states they'd be happy to validate this debt if I contacted their office. I went ahead and sent out a second validation letter on XX/XX/21 via USPS Certified Mail. ( See attached receipt. ) This company responded to my Certified letter but failed to legally validate this alleged debt. Instead, they sent me copies of sensitive, protected, private information from my medical records including specific medical tests and procedures that were performed as well as prescriptions that were prescribed. This is a direct VIOLATION of HIPAA regulations. I did not sign nor did they provide me with a HIPAA release form authorizing them to have access to this information. Credit Center , XXXX has violated my HIPAA rights. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.
Consumer complaint received 2023-05-21
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. (MI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (MS)

I was approved for a deferment on my loan with Discover Personal Loans in XXXX 2016. The terms of the agreement was that my XXXX 2016 payment would be deferred and that after I make my payments for XXXX.-XXXX on time each month, my account would be brought current. I paid those months on time and all of my subsequent payments have been made but the company has been harassing me every month since the agreement was made. They call me, email me, and send letters and I always speak to them and explain my account. After they look into their records they apologize for contacting me and promise that my account will be corrected but as of today it is still not brought current. I am fed up with this company and their lack of integrity.
Consumer complaint received 2023-05-15
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. (LA)

I have been engaged in an ongoing dispute regarding recurring charges with XXXX XXXX XXXX, and the process of resolution through the Consumer Financial Protection Bureau ( CFPB ) has been incredibly frustrating. Despite successfully disputing these charges, they proceed to close my account, thereby removing them from my credit report. However, to my dismay, a few days or even a week later, the same collection is inexplicably reinstated on my credit profile, this time listed as " open '' rather than " closed. '' This recurring pattern has raised serious concerns and suspicions. This is now the third instance of such an occurrence, and I have taken screenshots this time as irrefutable evidence of the situation.
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I applied for the XXXX student loan repayment plan through studentaid.gov on XX/XX/XXXX, for my federal loans serviced by Nelnet. The XXXXXXXX website says my application was " processed '' on XX/XX/XXXX, and said my servicer completed a review of my application on XXXX. I received an e-mail on XXXX from Nelnet saying they were reviewing my application and that if they had not completed this process in 10 days I would receive another e-mail. Their website states they are still reviewing my application, and I have received no further e-mails or updates from them. I was issued a billing statement for the month of XXXX on XX/XX/XXXX for an amount that did not reflect the amount I was quoted by studentaid.gov for the XXXX plan, due on XXXX. I submitted the full amount of this payment on the date it was due because I did not want my account to be delinquent. In looking for help resolving this issue, I read the following statement on XXXX : " If you applied for the XXXX XXXX close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' This clearly did not occur, and Nelnet is showing a bill due in XXXX for the same amount ( which is about twice what I should be paying with XXXX ). If Nelnet could not process my application in time, they should not have charged me at all, according to the government website. They also stated they would provide further communication through the review process if it took longer than anticipated, and they have not. I am also attempting to resolve this with Nelnet, but the wait to speak to a phone representative is often several hours long, which is also unacceptable.
Consumer complaint received 2021-06-22
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. (IL)

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated. 

1. Number of the account reported by you is not matching with number reported by Creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request you to process the investigation as prescribed by my rights under the FCRA.
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I spoke with a rep at Equifax about my identity theft and potential fraud. I was advised to fax or mail in copy of my drivers license and social security card along with a copy of my police report. I also sent them the documents I was able to get from one of the creditors that advised the inquiry was fraudulent and sent previously to Equifax months prior.I called back 5 days later to confirm if my documents were received, I was told yes and that my request would be processed. On XX/XX/2022 I received an updated Equifax report advising that the inquiries I stated were fraudulent were in fact valid and will remain. I called on the same day and the rep had advised me that an internal process was not completed properly and she would have to resubmit my dispute again and I will get my results within 30 days. On XX/XX/2022 I receive another updated report from Equifax and this time it shows where they deleted the items in question and at the same time validated the items as accurate within the same report. I called Equifax and on rep XXXX advised he couldn't do anything about my file because he couldn't see documents I faxed in only my driver license and social security card. I asked to speak to a supervisor name XXXX, she advised that she could see the documents i sent in but could not validate them to update my account she said another department called the specialty department handled those issues. XXXX could not explain why on my same report the items shows deleted and then the same items showed valid and accurate. XXXX told me I would have to submit a FTC report along with the same documents I sent on XX/XX/2022 that are currently available on Equifax system in order for them to reinvestigate my dispute. So now I have to resubmit this request for a third time because it appears Equifax is not willing to review any of the previous documentation sent. On the updated Equifax report you will see on pages 3 and 4 were the items in dispute were deleted and also validated at the same time.
Consumer complaint received 2024-02-29
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.