davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

The only student loans that I took out was when I was going to XXXX XXXX XXXX XXXX, which was after I was finished with XXXX XXXX XXXX. 
in XXXX my brother XXXX XXXX XXXX must have been the person who took out {$3500.00} in my name with about {$3500.00} in interest. He took the loan out at XXXX and I don't think I was taking classes at XXXX at the time that he took out the loan. 

The loans that I did take out was 3 of them for {$3500.00} = {$10000.00} The Principal Balance of my consolidated loans is {$21000.00} Somebody took a total of {$10000.00} in student loans in my name and I'm XXXX. 
My Great Grandpa XXXX XXXX is on the XXXX Quarter, same as my Great Grandpa XXXX XXXX which makes me a XXXX. Get it. 

I just talked to XXXX XXXX at XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

On XX/XX/XXXX, My mortgage lender checked my credit ( as we were closing on our new house on XX/XX/XXXX ) and noticed a new collection account on there from Diversifed Consultsnts for {$770.00}. The last company that had this account I spoke with back in XXXX and told them I was going to pay after I closed on my house bc I didnt know exactly how much closing costs I was going to need out of pocket. Then, all of sudden without any written notice by law from the mail that this now company, Diversifed Consultsnts has the account and shows up on my credit report right before I was supposed to close on my new home!! If I knew by writing or even that if I knew at all that the account was with another collection agency, I would of called them to make arrangements to pay like I did with the last company. After talking with them on XX/XX/XXXX and telling them I never ( by law ) received anything in the mail, the company that SAME DAY XX/XX/XXXX ( see attached letter ) sends me notification after telling them I NEVER got anything via mail ( it was Reported on my credit just one day prior to calling them ). I called them to pay the bill and to see if they would kindly take this off my credit since they reported it before giving me a chance to even pay it or notify me, she told me that they do not remove collections from credit reports even after the fact that they broke the law.
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-05-28
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. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

EQUIFAX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-12-19
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. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-07-14
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 called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
Consumer complaint received 2019-03-24
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. (TN)

I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, Experian & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I have my checking account and credit card account with citibank since XX/XX/2023. 

I am a new resident here in florida and I have a phone number from a non usual carrier which is XXXX 

My problem is that everytime ( and with citi is pretty often ) my account is blocked for security reasons they can not validate my account. 

They tell me that they will send a letter with a code instead which can take XXXX business days. 
( Meanwhile I have no access to my money ) I tried to call them a lot of times, and its almost impossible to solve it with them.
Consumer complaint received 2022-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. 
The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : XXXX ( Original Creditor : XXXX XXXX  XXXX ) Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Balance {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) Balance {$1100.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX  ) Balance {$1800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance {$470.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) Balance {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Balance {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$190.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX COLLECTION : XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance {$470.00} INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Consumer complaint received 2020-11-07
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. (LA)

The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/2020.
Consumer complaint received 2017-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

As filed various complaints against Prestige Auto Loans it appears that this company does n't want to restructure or lower my high interest rate of 17 % and {$440.00} and {$480.00} .Prestige administration and business partner XXXX XXXX XXXX XXXX XXXX , Texas and staff stated that I did n't have a problem in addressing on high car payment and high interest rate. I have a VA Mortgage payment and home expenses and why would n't address high interest and high payment on a car loan? I am XXXX and Retired and with a fixed income, if I was working and having a decent salary, than the picture of affordability changes. Prestige and XXXX XXXX XXXX lures citizens and Military Veterans with bankruptcy and disadvantage credit and promise them that their high interest rate and car loan monthly payment will be lower. Prestige special program in lowering your monthly payment and interest rate, is that a consumer give their bank information and have a bank draft so every month, your checking account be debited and company receives their money. If a consumer is paying their car loan on time each month for one year, why does he or she has to give their bank checking account information to get the benefits in interest and high payment reductions? Prestige stated if I do n't do their schemes I do n't get nothing and keep paying high loan payments and high interest rate.Prestige also stated that I file complaints to get over on them? How can I get over on them if I have a high loan car payment and high interest rate of 17 %? Prestige is a company that makes billions of dollars and they do n't have a Financial Hardship like I have. How many Consumers, XXXX Citizens and Military Veterans filed complaints against Prestige and XXXX XXXX XXXX for giving them promises and lies on their loans and vehicle purchases? Prestige is going to keep getting away with unlawful Federal Consumer Violations and taking advantage on hardworking american that has disadvantage credit and Bankruptcy on their credit report. A mounted of {$880.00} is going to be added on my XX/XX/XXXX loan payment and Prestige is going to start putting a repossessions collections on my credit report with XXXX, XXXX and XXXX. Why did Prestige and XXXX XXXX XXXX approve a vehicle loan if I was going through a bankruptcy chapter XXXX on XX/XX/XXXX? Federal Judge of XXXX, Texas Discharged Bankruptcy on XX/XX/XXXX. I made my first Prestige Loan payment on around XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MA)

After finally receiving my unemployment benefits payment from the summer during COVID pandemic, I was relieved my family was finally able to begin paying and taking care of various expenses using the Brinks prepaid card. After initial deposit I used the card as our main source of household payments and income. 

It was only after I took closer look at my statements from XXXX and XXXX that I realized we were being charged {$1.00} fee per transaction which amounted to well over {$500.00} in under 45 days. 

While I realize this was mentioned somewhere in the fine print without access to the internet during the pandemic I was unable to view my statements nor did I ever expect such an abusive and predatory fee structure. 

I have since changed my account to the XXXX XXXX  monthly fee but I dont feel its fair to have to pay over {$500.00} in fees when its all being taken from government benefits meant to help us during pandemic. 

I request a refund of the fees from XXXX and XXXX and to be charged the XXXX XXXX  monthly fee instead as courtesy and show of goodwill considering my situation. 

Thank you XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY ADMITTED ON XX/XX/year> TO CFPB THAT THEY ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX  XXXX ( ACCOUNT XXXX ). PORTFOLIO RECOVERY DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXXXXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. PORTFOLIO RECOVERY HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 15usc 6801 Protection of Non- Public Information. 15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Consumer complaint received 2022-12-19
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. (CA)

When I reinvestigated my credit report, I see that still the same accounts was erroneous. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC (CA)

On XX/XX/22 I received notice from Envoy Mortgage that my escrow account has a shortage of {$4400.00} and that my mortgage would increase to {$2500.00} for 12 months in order to pay for the shortage effective XX/XX/22. My mortgage payment previous to this shortage was {$1900.00}. 

The first time I called the company told me the shortage was due to the {$3200.00} payment of my flood insurance plus the cushion amount of {$1200.00} which is required anytime escrow has a shortage. I explained to the representative that my HXXXX ( XXXX XXXX ) pays for my flood insurance and that Envoy Mortgage made a mistake by making this payment. I was told that Envoy would work on getting the money refunded into my escrow account as soon as possible. I asked for an email regarding this dispute for my personal records and was told that this was not possible. I was instructed to call back on the XX/XX/22 to get an update. 

I called back XX/XX/22 for an update and was informed by Envoy Mortgage that a request for a refund was submitted to the insurance company and that they were awaiting a response. I asked to have my mortgage amount adjusted to the correct amount so I will not be held financially responsible for the mistakes Envoy Mortgage made. The representative explained that my mortgage could not be adjusted until Envoy receives the funds back from the insurance company and then be able to refund my escrow account. I requested documentation of this situation again and was denied again. I was told that my mortgage is not late until the 15th of the month and hopefully this issue would be fixed before that. If not, I would be required to pay the increased amount and everything can we adjusted once my escrow account is refunded. 

Today I logged in to my online mortgage payment account and saw that there is a new mortgage payment amount required in the amount of {$2100.00}. I called Envoy Mortgage to get an update on the status of this issue. I was informed that the insurance company agreed to refund the {$3200.00} by mail to my XXXX  company after the required hold of 7 days. Then my XXXX  company will pay Envoy Mortgage by phone into my escrow account. Then I could request to have my mortgage adjusted to the correct amount. I asked again to have my mortgage payment adjusted to the correct amount now since none of this was my fault. I was again told this is not possible until they get the funds back into my escrow account. 

I am very concerned that I will have to pay the increased amount to avoid doing any damage to my credit score. I usually pay over the required mortgage amount toward the principal. This hardship would not allow me to do this and would hamper my financial progress.
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (GA)

I want to make a complaint against XXXX, XXXX and experian I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues
Consumer complaint received 2022-05-28
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. (GA)

I want to make a complaint against XXXX, Equifax and XXXX I reached out to all the bureaus asking them to remove all the fraudulent information form my credit report and they have not responded to my efforts to resolve the issues
Consumer complaint received 2022-12-19
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)

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 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to Equfax.This has prevented me from finding a suitable home.
Consumer complaint received 2024-04-02
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: CITIBANK, N.A. (NY)

The account listed below, which still appears on my credit report even after an re-investigation, I would like this item immediately to be removed and investigated and inaccuracies are highly injurious to my credit score account name XXXX number XXXX in accordance with the fair credit reporting act public law 91-506 title VI section 611 subsection A-D please provide the name and business address of each individual with whom you verify the above so that can follow up please send me updated copy of my credit report after your reinvestigation.