davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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: Paypal Holdings, Inc (NV)

PAYPAL XXXX XXXX XXXXXXXX... XXXX XXXX, XXXX  TELEPHONE NUMBER XXXX TALKED TO THEM XXXX XXXX XXXX. They told me to change the wordings of the dispute with my bank to which I did but up to now, I did not get my refund to the item in the amount of {$30.00}. 

This is an item advertised on XXXX. The item arrived with no information inside as to what product they sent, how to use it, everything, no return address, no return label incase the product is too small, too large or defective. In this case it was a fashionable eyeglasses for 65+. Once I tried it on it was too blurry for me, it gave me a XXXX and I feel like spinning around trying to make use of it but was too uncomfortable. If they had the return label, I would have return it right away. I disputed it with my bank 2 times but to no avail.
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (CA)

I have reached out to the bureaus regarding fraud on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them several times. They told me to file an identity theft affidavit to remove the items. I have done everything, and I never get a response and the accounts are still there. This had prevented me from refinancing my mortgage. This is such a violation of my rights.
Consumer complaint received 2022-04-21
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. (CA)

I have reached out to the bureaus regarding fraud on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them several times. They told me to file an identity theft affidavit to remove the items. I have done everything, and I never get a response and the accounts are still there. This had prevented me from refinancing my mortgage. This is such a violation of my rights.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Roadrunner Account Services, LLC (CA)

I received an offer for financing through a third party for a vehicle but was denied because my profile number was below their margin I then asked to speak with the underwriters and kindly explained the them that it was against statutes to deny a person credit on their own account as I had already given the XXXX number to them but the conversation ended and I was unable to receive credit for the purchase of a new vehicle.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Klarna AB (PA)

Klarna is a bank that should be put out of business!!! 
They have NO Customer service, they will not have a supervisor call me back!!! 
I have tried for TWO WEEKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Their website is broken, it wil not show the info that I need, that is why I need a call back. 
They have NO IDEA WHEN A SUPERVISOR WILL CALL ME BACK, AND HALF OF THEM DONT EVEN KNOW HOW TO GET A SUPERVISOR ON THE PHONE!!!
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

NAVIANT kept talking me into forbearances and deferments for almost 15 years making promises and telling lies about how it will impact me. Now I have a mountain of fees and interest I will never be able to repay. I have years of forbearances and deferments from NAVIANT. Not months but actual years!
Consumer complaint received 2022-04-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc. (NV)

A letter dated XX/XX/XXXXwas received from National Credit Management for delinquent account for XXXX XXXX XXXX  University. 

Two debt validation letters were sent to National Credit Management. 

Validation letters were sent via USPS Certified Mail with e-Return Receipt as of XX/XX/XXXX, debt collector has not replied to my debt validation requests and has reported the collection on all 3 credit reporting agencies.
Consumer complaint received 2023-10-21
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate 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 ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I am making an complaint regarding a collection on my account that doesn't belong to me. I haven't received any letters regarding this account " XXXX XXXX -reported '' I have made a dispute XX/XX/2022. its over 30days. they have violated for 15 u.s. Code 1681e ( b )
Consumer complaint received 2023-10-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Back in XX/XX/2020. My car was repossessed by Credit Acceptance. During this time I was serving in the XXXX XXXX, XXXX XXXX. I understand under the Servicemembers Civil Relief Act ( SCRA ) that I have certain protections and rights regarding a repossession. However Credit Acceptance did not get proper authority or go through proper channels for the repossession. They also failed to give me any notice by phone, email or mail. I did not receive notice of the action taken.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Monday XX/XX/XXXX, I deposited a check at my local Bank of America branch. Later that day, I received and email from Bank of America saying that a hold was placed on my account, and I was also unable to log in to my online banking account. This check is for a class action lawsuit against a ride share company for owed payments, and the check was issued by my lawyer. After waiting a couple days for the check to clear, I called customer service and they told me that my account was being closed, but they wouldn't give me a reason. I went to the branch where I deposited the check, and all they were able to do was give me the number to the risk department. I called the risk department, but they refused to give me an answer as to why the account was being closed. All they said was the account was going to be fully closed by XX/XX/XXXX or XXXX and that they will mail me a cashier 's check for the balance of my account. I called the third party check issuing company that was working with my lawyer and they said that on their end, the check has been cleared as of Tuesday XX/XX/XXXX. Today XX/XX/XXXX, I called the Bank of America Risk Department to see if the cashier 's check has been mailed out yet. They told me they are still working on closing the account and it won't be until XX/XX/XXXX that they mail the check. They also verified that the check cleared on their end. They also refuse to give me a reason as to why they are closing down the account. They pushed back the date from XX/XX/XXXX to XX/XX/XXXX, and they are holding on to funds that have already been cleared. This has been an absolute horrible experience with Bank of America!
Consumer complaint received 2022-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (AZ)

I was called buy a process server saying they wanted to know if i would be home so they could serve me paperwork on a civil mater. She didn't know what it was about but gave me a case number and phone number to call. When I call the number they answer as XXXX XXXX XXXX XXXX and said I had an account with XXXX debt from XXXX. I told them I filed bankruptcy in XXXX and said they would check and get back to me. I asked for them to send me paperwork on this because I think it was fraud using my name and they refused. I tried to call the process server back on the caller ID number in my phone and it went to voicemail. The message for this voicemail gave the company name as XXXX XXXX and associates. i have tried to call it 3 times with no answer. I did some looking online and found links to scams from both of these company 's using the same wording as they used with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and associates XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One does not address the fraudulent items on my card ending in XXXX where over a combined charges from XXXX of {$520.00} and XXXX of {$240.00}. I turned this claim into Capital One I believe in XXXX of XXXX  they found it to be fraudulent charges but only refunded back to the new card I was sent card ending in XXXX a total of less than {$40.00}. The rest was rolled over to the balance on the new card. They changed the statements. My credit was {$350.00}. I now longer had purchases I did use the card after all this. They took my {$200.00} deposit. I made a {$500.00} payment to them. They changed the way their statements read to try to confuse Me and hide the charges. Everytime I file a dispute they only refer to the new card I was issued ending in XXXX. I hope You will see their statements do not make any sense.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK (PA)

XXXX XXXX  was closed by me on XX/XX/2022. I did nothing t want to use this bank anymore. XXXX refuses to give bank funds. Stated that they sent it out XXXX have not received it called numerous times they still say it is in transit as of this date. XXXX has stated that they closed the account and I did not.
Consumer complaint received 2022-03-17
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. (NY)

XXXX accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  Account # XXXX XXXX5 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 2022-03-17
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: EQUIFAX, INC. (NY)

n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXXt account # XXXX XXXX  Account # 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
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I made my payment on my Capital One Venture Card in full on XX/XX/XXXX, the date my payment is due, but Capital One is charging me late fees and interest on a XXXX balance. It is outrageous that Capital One stops at nothing to fleece its own customers. I have been a Venture cardholder for over 6 years and to be continually treated like this is an insult. Capital One needs to be held accountable for its predatory behavior. How can you be charged late fees and interest when you pay your bill in full on the due date?
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-21
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: Nelnet, Inc. (AL)

My name is XXXX XXXX, and I am writing you as well as sending mail for the violations you are committing from my personal research. 

Account : XXXX To whom it may concern, I am writing to you again concerning account XXXX. Under the FCRA that you say you abide by here are some violations, you have committed after I have already informed you about them and you choose to ignore the LAWS I had provided so I will repeat them.

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ), You are to respect my right to privacy as a consumer, which you have not because you are furnishing my personal information without my direct consent. You are infringing on my privacy.

Pursuant to 15 U.S.C 1681 ( a ) ( 1 ), You are reporting inaccurate information after I have provided you the inaccuracy in the name in the alleged debt which is an unfair credit reporting method.

Pursuant to 15 U.S.C 1681 ( b ) You are in violation with regard to confidentiality and accuracy since the name is an incorrect name which I have provided proof and made you aware and you choose to ignore this violation.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any approval of a specific extension of credit directly or indirectly is to be excluded from a consumer report, this alleged debt would not have been made if it wasnt due to an extension of the consumers credit.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) any report containing transaction or experiences is to be EXCLUDED from the consumer report, and this alleged debt was a transaction and experience.

These are a few of the violations amongst many you have/are committing I have researched. Ignoring these will result in actual damages from willful violations and negligence.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be discharged in full and removed from all consumer credit reporting agencies. Not limited to XXXX, XXXX, and XXXX. 


XXXX XXXX Account : XXXX Thanks for your cooperation, XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.
Consumer complaint received 2022-04-21
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: REGIONS FINANCIAL CORPORATION (TN)

I filed a dispute in regards to the items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Consumer complaint received 2022-04-21
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. (RI)

My government student loans ( through XXXX ) have been transferred to a new servicer ( XXXX  ) where I have been paying them monthly regardless of the XXXX rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of EdXXXX , they show as in default. I also was told, they would never go to default on my credit report due to the XXXX issues, but they did anyway. 

They refuse to remove the XXXX lines on both XXXX and TransUnion. 

loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

XXXX XXXX
Consumer complaint received 2022-04-21
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. (RI)

My government student loans ( through XXXX ) have been transferred to a new servicer ( XXXX ) where I have been paying them monthly regardless of the XXXX rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of EdXXXX , they show as in default. I also was told, they would never go to default on my credit report due to the XXXX issues, but they did anyway. 

They refuse to remove the XXXX lines on both Equifax and XXXX. 

loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX loan # XXXX XXXX I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

XXXX XXXX
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (CO)

I was looking into refinancing my mortgage and my mortgage company checked my credit report. This was Authorized. The next morning, I started getting calls, like at this point over XXXX in an hour, from financial companies trying to refinance my loan. This means that some sort of information about why my credit was pulled was sold off to other third parties as some sort of paid alert. This was not authorized. I do not get a choice to have my very personal information in these credit bureau 's but now am I to believe that it is not criminal for these same companies to sell my activity to others with my phone number, name and reason why my credit was pulled? This is something I am told I need to opt out of? NO, I don't opt out, that should be the default. All three companies did this?
Consumer complaint received 2022-04-21
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. (CO)

I was looking into refinancing my mortgage and my mortgage company checked my credit report. This was Authorized. The next morning, I started getting calls, like at this point over XXXX in an hour, from financial companies trying to refinance my loan. This means that some sort of information about why my credit was pulled was sold off to other third parties as some sort of paid alert. This was not authorized. I do not get a choice to have my very personal information in these credit bureau 's but now am I to believe that it is not criminal for these same companies to sell my activity to others with my phone number, name and reason why my credit was pulled? This is something I am told I need to opt out of? NO, I don't opt out, that should be the default. All three companies did this?
Consumer complaint received 2022-04-21
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. (NY)

To Whom It May Concern, On XXXX/XXXX/2022, I wrote to you requesting an investigation into items that I believed were innacurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.