davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IN)

I applied for Public Service Loan forgiveness on XX/XX/XXXX because I had just met the qualifications- 120 qualifying payments.. I am still waiting for my balance to zero out and receive the forgiveness. I have been given various different explanations about when this will take place and what steps I need to take. I am XXXX  and need to quit my job by XX/XX/XXXX and if the process is not completed, my family will face extreme financial hardship. The wait time on this process is excessive and my account needs to be updated.
Consumer complaint received 2019-07-01
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)

I saw some questionable data reporting on my report from a XXXX   XXXX account with an account number XXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX  XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.
Consumer complaint received 2023-03-20
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)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 This Complaint will serve as a follow-up to my previous complaint
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I took a {$1500.00} cash advance in 2016, now it is over {$2600.00} without any further advances.I called Bank of America and was told some confusing explanation about how they applied interest, which makes no sense. My cash advance should have went down as I have paid more than the minimum payment. The interest on the loan was taken out for both purchased items and cash advance each month, then the balance applied to the loan. There should be no case where interest should be applied to the cash advance.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (TX)

XX/XX/XXXX : I paid XXXX XXXX XXXX full amount of charge for final bill on closed mobil phone account. Paid {$250.00} with XXXX Mastercard. 
XX/XX/XXXX, Disputed the {$250.00} charge with XXXX because XXXX XXXX XXXX had already received payment as they bill one ( 1 ) month in advance for their service and the XX/XX/XXXX service was already paid for in XX/XX/XXXX. 
XX/XX/XXXX. XXXX confirmed disputed charge of {$250.00} and issued conditional credit. 
XX/XX/XXXX : XXXX sent letter indicating the investigation ruled in my favor and conditional disputed amount was made permanent. 
XX/XX/XXXX : Received several threatening phone calls on my cell phone from unidentified debt collector threatening to ruin my credit. 
XX/XX/XXXX : Received email from credit monitoring service indicating Sunrise Credit had made an untrue, derogatory entry on my credit report on XX/XX/XXXX and XX/XX/XXXX. 
XX/XX/XXXX : Filed an online dispute with XXXX and provided all documentation.
Consumer complaint received 2022-12-14
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

I can not get Netlnet to update my name. They keep asking me to scan and rescan the court decree. I sent them the exact same file I sent to other financial institutes such as XXXX, XXXX, XXXX, XXXX etc with no issue, yet for some reason Netlnet does not seem to be able to " read '' it. 

If they can not even read the original scan, how do they expect to read the secondary copy off off the original scan via fax? And they can not handle things electronically, they expect me to mail in the original copy. They really expect me to have faith in them to handle my only original copy with care while a simple thing such as changing name they can not process. 

What a waste of time.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-03-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (TN)

I opened a CD account on XXXX but I didn't actually purchase the CD until XXXX.I called the very next day after buying the CD to let the Rep know that I put in the wrong amount.She advised me to close the account an re-open a new account.So I inquired about a grace period to waive any early withdrawal penalty fees.She spoke to her supervisor and her supervisor APPROVED of the waiver ( the evidence can be found on the phone call XXXX ) I only withdrew my money with the ESTABLISHED understanding of the approved waiver.When I received my funds back into my bank account it was short XXXX XXXX.I just knew it was a simple mistake and they would correct it swiftly but they are refusing to correct it.Let me be clear I gave no consent to this illegal transaction.I had zero intentions of paying any early withdrawal fees.I would have left the account alone before I did that! I'm led to believe this was a set up and a robbery.If this matter is not resolved immediately I will be taking further legal actions on the grounds of scamming the consumers.This company will be considered to be ran as a criminal enterprise.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX Account.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX Account.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (ID)

Someone opened a fraudulent account in my name at Chime Bank. 
I tried to call their customer service line to inform them on XXXX XXXX. 
There is no human being who answers any of the options given for the " customer service '' line. 
There is no option to report fraud on the customer service line. 
The only option is to email the bank and inform them. 
I emailed them to cancel any and all accounts in my name on XXXX XXXX. 
They replied to the email and asked for personal information to be emailed back to them. I find this to be monumentally irresponsible to solicit personal information -- especially given that my information was stolen recently -- to be sent via email. 
I asked that they give me a phone number to call so I can provide that information. 
I have had no response from this bank so far.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?
Consumer complaint received 2022-12-14
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Need XXXX, TransUnion, & XXXX credit bureaus to correct the following : the alert needs to state that the XXXX XXXX XXXX. shouldn't have any parent or direct plus loans showing on my credit report as consolidated, paid, or owed from XXXX College XXXX XXXX XXXX XXXX, ( amounts of {$12000.00}, {$16000.00}. etc ), due to all direct plus loans for this college being under investigation by the " Borrower Defense Refund Cancellation Dept '', Ombudsman Group/ Federal Student Aid Dept , & the FBI in XXXX , PA . I have case numbers. Once again, the Borrower Defense Refund Dept has  emailed me which I have sent to you, Consumer Finance Protection Bureau in my attachments, showing that I have the right to have loans under investigation, frozen. 
Since the XXXX XXXX XXXX. has npt allowed me to be able to log in to my account repeatedly or go beyond correcting general infor which was done already but not processing, I am unable to communicate with them. Please, note that the notes on my TransUnion & possibly other credit reports are stating some thing other than this. 
Also, I keep receiving emails from all three credit bureaus to check the status of their investigations ; yet, when I go to login, I find myself only spending excessive amount of time on a public, limited time allowed, computer lab ( s ), constantly resetting passwords & usernames rather than actually being able to log in, ( no matter how many attempts & resent passwords & usernames sent ), instead of being able to address my concerns & see the results of investigations. So, please allow & /or make the credit bureaus allow me to respond, ( especially since I was able to receive all of their reports via mail ), which I greatly appreciate! 

Miss XXXX XXXX
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MN)

the cbe group or XXXX cable is attempting to collect a debt XXXX XXXX from me that I do not owe.I have no notification from either company concerning this matter.I do not have an open account with XXXX.
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation (VA)

Dear Sir or Madam, I was a victim of identity theft. I mailed several letters to The company by the name of Global Credit & Collection Corp. However, their company continues to communicate with me after I mailed them a cease and desist letter. On XX/XX/2019, my attorney mailed their company a {$1000.00} demand letter for statutory damages for not honoring the cease and desist letter pursuant to section 805,  Communication in connection with debt collection. However, their company continues to ignore all corresponding letters from me and my attorney.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Acceptance Corp (NJ)

This company ( Merchants Acceptance Corp. ) keeps reporting a collection account on my credit report without sending any type of validation of this particular account. This collection account shows that it was opened XX/XX/2016 with an amount of {$2500.00}. I have sent multiple dispute letters to credit bureaus and collector to verify account and I have not received anything in return. I'm in the process of buying a house and this account is not allowing me to get a approved for a mortgage. Please remove this account from my credit reports.
Consumer complaint received 2019-07-12
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. (FL)

To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter Thank you.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

Had XXXX  XXXX XXXX sell my loan to XXXX XXXXe in XXXX after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter 7 bankruptcy, which was discharged XX/XX/2014. 
Since XXXX, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

Since XXXX of 2024 year I have noticed that in my Wells Fargo checking account many of the money transfers are not made by me and that caused my account balance to get lower than I had to have and part of the statement got mines and caused overdraft. I contacted to the bank many time and asked them why do Wells Fargo bank allowed unauthorized charges? They read the statement to my and Wells Fargo does not take any responsibility about the transactions. I made an appointment at Wells Fargo branch in XXXX XXXX but upon arriving nobody from customer service served to solve the issue.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Had bank of America sell my loan to XXXX XXXX in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was discharged XX/XX/2014. 
Since 2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servatus Corporation (GA)

Credit Solutions Corp is reporting an incorrect date on two accounts that originated with XXXX XXXX XXXX XXXX XXXX. I took both loans out between XXXX. I had a financial hardship at the time and was not able to pay. The last payment no later than XXXX maybe XXXX. Credit Solutions Corp in a effort to capitalize on my situation has the date of XX/XX/XXXX which is completely false. I want them to provide proof of a payment made on any of the two accounts in XXXX.
Consumer complaint received 2022-12-14
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-20
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. (SC)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have repeatedly contacted XXXX XXXX, TRANSUNION, XXXX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.