davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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)

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. ID TXXXX XXXX XXXX XXXX Account XXXX : XXXX Please BLOCK this account from credit report 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 5.XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 2019-11-25
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. (CA)

I was trying to buy a car today XX/XX/19 and when I got my credit ran they told me that there was an account in negative standing that was preventing me from getting approved for the auto loan. That account does not belong to me ; I never opened it and I never allowed anyone to open that account in my name using any of my personal information. I don't know who opened this account but I have already filed a police report. I did not benefit anything from this account such as money, goods or any other benefit from this account that was opened in my name without my permission. I do not have any written/verbal contract with that company nor did I take part in any purchases or payments in regards to this account.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I just received my reinvestigation back from XXXX and EXPERIAN. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account listed below is not being reported accurate. The open date, date last active, the date of the last payment and the status is NOT 100 % accurate. 
XXXX XXXX XXXX XXXX XX/XX/2016 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2022-12-19
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. (FL)

Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
Consumer complaint received 2022-05-31
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. (SC)

Letters were written and dated on XX/XX/2022 and a required response was supposed to be received to me within 30 days with original contracts as stated in my dispute letters of ALL the accounts in question must be deleted off of my credit report, due lawful collection fee amounts. I have not been provided with ORIGINAL CONTRACTS FROM ORIGINAL MERCHANTS ON ALL attached to debt. certied mail was used with tracking numbers ( experian - XXXX ) ( XXXX - XXXX )
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

I filed a complaint against hyundai motor finance in XXXX about a refund that was suppose to be issued to me. This company states that they mailed the refund on XX/XX/XXXX. I have not received that payment and it is almost a month since then. I have requested a stop and reissue on XX/XX/XXXX now I'm being told the request was not put in until the XXXX of XXXX which I spoke to another representative to follow up on the stop and reissue from XX/XX/XXXX. I am being told to wait for processing times week after week after week. This company is holding my money and they refuse to pay me. They never sent a check to begin with because it does not take 30 days to receive mail!!! I am given no choice but to take this matter further to the courts as this company is giving false information and giving run around. I called today and asked to speak to a supervisor and surprisingly there are no supervisors. What a coincidence. This company is crooks and they are stealing people money and refusing to pay what they owe to customers.
Consumer complaint received 2019-11-25
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. (CA)

I was trying to buy a car today XX/XX/19 and when I got my credit ran they told me that there was an account in negative standing that was preventing me from getting approved for the auto loan. That account does not belong to me ; I never opened it and I never allowed anyone to open that account in my name using any of my personal information. I don't know who opened this account but I have already filed a police report. I did not benefit anything from this account such as money, goods or any other benefit from this account that was opened in my name without my permission. I do not have any written/verbal contract with that company nor did I take part in any purchases or payments in regards to this account.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (MI)

I have a duplicate reporting on my credit that I tried to dispute from the same company and its hurting my credit. The creditor is XXXX  I for the amount of XXXX and one is dated XX/XX/XXXX and the other is dated XX/XX/XXXX. It was sent to collections XXXX XXXX and XX/XX/XXXX for the same amount.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (OH)

On XX/XX/2019 I purchased a NETSPEND card and loaded {$100.00} onto it for paying bills. I have a XXXX XXXX XXXX with a XXXX XXXX who got ahold of the card and called the activation line he only gave them his name and hung up ( he is XXXX and doesnt understand mentally what he was doing ) .I called later that morning to activate the card gave them my social security number, Birthday etc and I was transferred to a customer service rep who stated that I had to email them a copy of my social security card and ID as well as my childs ss card and birth certificate and proof of address and they stated that the funds would be released within 6hrs. Instead they then requested the mother of my childs info so thought it was absolutely absurd but we complied.they wont except her Ohio state issued ID that she purchased that same day and they want court papers stating her name was changed except her social security number has never changed from her maiden name so we can not give them things that dont exist and they claim without it we can not get our money. Well first of all we dont understand why, how or if its even legal to do this because its not in her name in the first place, secondly they said if we provide proof of my identity that it would be released within XXXX I comply its accepted and they then want something else and the things theyre asking for are rediculous. It is now XXXX XXXX and my phone and electric are shut off because I can not pay my bill.Im XXXX and have XXXX XXXX children one whom is chronically ill with a XXXX XXXX and fluid problems in his XXXX he spends weeks and sometimes months in the hospital and this company has seriously caused us tremendous hardship. I have several emails to show the constant changes in whats required and I saw that the FTC has a lawsuit against them already for similar consumer rip offs.if you can please help me Id gladly share my experience with others to prevent this company in my oppinion scamming others I wish I had never used this service. It was the first and I assure you the very last time Ill be a netspend customer.thank you
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On or around XXXX, XXXX I was receiving a lot of pre- approvals from XXXX XXXX XXXX At XXXX I ignored them but XXXX XXXX kept sending me different offers telling me that I was pre- approved for different consumer transactions such as, credit cards, financing a car or even pre- approvals for housing loans. I'm was getting pre- approvals for personal loans too. Every day I would receive multiple offers through XXXX XXXX and through emails from XXXX XXXX. I would see these offers every time I logged into my account, I would received new pre- approvals everyday. I started receiving so many offers through XXXX XXXX that I told my friends and family that we were finally getting an opportunity to XXXX in real estate, to XXXX in a XXXX care rental business, and to take a much needed trip. After a few months of being told I was pre- approved I applied for a personal loan and was denied. A few months later after being told I was still pre- approved I put my consumer report into the perfect score position to re- apply for another personal loan and 2 credit cards only to be denied again. I was so upset, I was very angry, and I felt misled, very deceived, and confused. I was marketed to for months and months and months. XXXX XXXX told me I was pre- approved and these were lies!! I became very angry, I was feeling annoyed all the time, upset, crying, I could not focus, I was physically ill with migraines, and in a state of disarray. I became withdrawn and unhinged from my favorite activities as well as from my friends, family, and from my job. I began to isolate myself as this affected my daily activities, my job, my friends, and to my family. Ultimately resulting in loss of employment as well as the break up between myself and XXXX. I still receive pre- approvals from XXXX XXXX XXXX day and this has had a negative reaction to how I make transactions in XXXX  today. Every time I receive a pre- approval from anyone especially XXXX XXXX I immediately freak out and my body will break out in sweats and hives. This experience has made me very uncomfortable, and unsure of my future. I have lost a job, a social life, my wedding, and not to mention a horrible consumer report and I only know this when I can muzzle up enough courage to even look at it, I don't even check my consumer report as frequently as I should because of this experience.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

Hello and thank you again for having a look into this matter for me. Since XXXX I have done everything within reason and legally to the best of my ability to get this company to do the right thing. I have mailed off letters asking them to prove the debt and help me understand how it is mine as they claim. 

They have failed to do this within 4 months and I am now seeking help from CFPB. 

CONTRACT CALLERS INC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Claiming I owe them {$130.00}
Consumer complaint received 2023-07-31
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. (OH)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

I spoke with American Express on Tuesday, XXXX, XXXX 2019 around XXXXXXXX XXXX   considering my suspended paid overtime feature. The Customer Service Representative stated that she was going to put me on hold and speak with the Risk Management Department. After 15 minutes past by she finally came back to the phone and said Mr. XXXX they had your account up for review and they reinstated your pay over time. I asked her a few more questions and she put me on hold once again, after 20 minutes went by I had to hang up the phone. I just checked my account today which is XX/XX/2019 and the suspension for paid overtime is still there. I called back today once again and NOW I'm getting the run around nobody knows anything.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I was a victim of bank fraud in the amount of {$500.00}. Someone conducted an unauthorized wire transfer of funds from my checking account. Once I discovered what had taken place, I immediately contacted my bank to report the matter. 
The ironic and unfortunate circumstances included a person impersonating a rep. from my bank conducting a security call. 
My bank is denying responsibility and has denied my claim.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I pull my experian report this week and i came acroos so many miss leading things on my report i have tried time after time to dispute to experian by mail cerfield mail and online disputes but no outcome just verfield from experian so i know its my right to get the facts here are the names are wrong on my credit report XXXX XXXX ... .. Here are wrong address on my report that i never stay at or live there XXXX XXXX XXXX XXXX XXXX  va, XXXX But its reporting on my credit report for some reason other address XXXX XXXX XXXX XXXX  va XXXX Acoounts thats on my report that are fruad XXXX XXXX ... Account # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX  XXXX .... These are all fraud accounts i have seen them delete 1 account by credit control but not delete the rest u all should delete all of the XXXX XXXX  accounts if u deleted the other ... Here are the inquires i did not approve on my credit report thats are fruad ... XXXX XXXX XXXX  ... XXXX XXXX XXXX  ... XXXX XXXX XXXX XXXX  ... XXXX XXXX ... XXXX XXXX XXXX   ... XXXX XXXX ... XXXX  XXXX  XXXX ...
Consumer complaint received 2024-04-13
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MA)

I attended The XXXX XXXX XXXX XXXX XXXX ( part of the XXXX XXXX, or Ai, family of schools ), a subsidiary of XXXX XXXX XXXX ( XXXX ), from XXXX to XXXX. In addition to federal student loans, I took out private student loans with XXXX ( now Navient ) totaling {$45000.00}. I have been regularly paying my student loans back for XXXX  years now, since XXXX, and have to date paid a total of {$64000.00}. 

Recently, I was a full class member of the XXXX v. XXXX court case, which provided forgiveness on my remaining federal loans, finding that my school and many other for-profit schools had defrauded the government in their loan practices. 

I came to be a class member of XXXX  v. XXXX after filling out my Borrower Defense to Repayment ( BTDR ) with the Department of Education. There my case revolved around 1. the high pressure sales tactics of the school and 2. the gross over estimates provided by the school for job placement and entry level salaries. These arguments can be found in the multiple court cases with XXXX  ( files attached ) wherein the school and overseeing corporation had a wide-ranging scheme to " enroll as many students as possible, and to keep them on the rolls for as long as possible, without regard to the students ' qualifications or their likelihood of graduation or career placement, in order to maximize financial aid from the United States Department of Education XXXX XXXX DOE '' ), which assumes the risk of delinquent student loans. '' I would argue that this practice applies to the private student loans as well.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX  reported a request for a XXXX XXXX XXXX XXXX, which i did not request. This was documented with Trans Union Consumer relations. This was noted on XXXX. There was also a credit check for a XXXX XXXX XXXX on my report. The spelling is wrong and should be removed.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I disputed errors on my credit report with the company after submitting proof that the error should be deleted. After an initial notification, I received correspondence that was not truthful with the companies reply. It seemed as if this was a stall tactic to not thoroughly investigate my disputes. I sent correspondences every XXXX - 45 days from XX/XX/XXXX to XX/XX/XXXX and have yet to receive any deletion of the disputed accounts. I have provided proof as well that the disputed account was deleted from one credit bureau, but the additional bureaus aren't cooperating despite this proof of deletion.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I have a Paypal account for years, today XX/XX/19I noticed a significant decreased on my credit score. After reviewing my credit report I found out that my Paypal account was reporting to the credit agencies as a credit card account. I contacted Paypal and was advised that they started it to report to the credit agencies since XX/XX/2019 ( This is the 1st time I see this account from Synchrony bank on my credit report ) According to the representative Synchrony bank took over Paypal. It shows on my credit report I'm over my credit line over {$500.00} and is affecting my FICO score. I told the associate over the phone I was never ever advised that I had a credit line for my paypal account or what my credit line was. She couldn't provide me with anything in writing, I'm at the middle of refinancing my current home and this significant hit on my FICO score will prevent me from refinancing. I just made a payment to bring my account under the credit limit.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OK)

Sears Mastercard sent me an account statement indicating I owed {$33.00}. I owe Sears Mastercard nothing because a full refund was issued to me by Sears Mastercard for {$430.00} for the purchase of a dishwasher I bought at Sears. When I tried to dispute the debt with Sears Mastercard, XXXX ( ID No. XXXX ) told me I could not dispute the debt.
Consumer complaint received 2021-07-26
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. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have no received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. Section 611 ( a ), its is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the EquiFax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Cryptocurrency and any online transaction takes only a maximum of 15 seconds, transfers shouldn't take 3-14 business days for any account means to me as an XXXX XXXX XXXX Lifetime Holder snd XXXX XXXX that BB & T and XXXX XXXX XXXX and all I've experienced since trading stock investments using XXXX XXXX XXXX and even XXXX they are stopping money transfers to online banking, please investigate them snd tell the magistrates and judges that they aren't XXXX XXXX in my oponion as a professional, they are sane and purpospely stealing money, and why the lock, freeze, and close then reopen accounts. Please alert authorities to have them all involved arrested?!!!!! 

Thanks, and best regards to the faithful and true, From : XXXX XXXX FCC # XXXX XXXX # XXXX.