davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
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. (CA)

In XX/XX/XXXX, the XXXX XXXX XXXX  recorded, against my credit score, a  false and untrue foreclosure. This foreclosure never took place, and a court order, to XXXX, ordered them to retract this false foreclosure. 
Subsequently, when the foreclosure was not removed from my credit score,  I wrote them, asking them to remove this false foreclosure, and other false statements that we had defaulted on payments to the XXXX XXXX XXXX, which we did not owe. 
As of todays date, XX/XX/2019, this false foreclosure is still showing up on my credit report. 
Attached are copies of 2 letters which I had sent them, and an article stating that all XXXX foreclosures are fraudulent and scams.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

My federal student loan was transferred to Fedloan Servicing in XX/XX/XXXX. At that time, I had already made 13 qualifying payments on my REPAYE plan with my previous servicer, XXXX. 

I continued to make my payments in full each month following that, until my loan was placed into administrative forbearance in XX/XX/XXXX, pursuant to the CARES Act, for a total of 18 payments. 

In XX/XX/XXXX, I requested a count of the number of qualifying payments I had made on my REPAYE plan. In XXXX, I received a letter stating that I had made only 18 qualifying payments. 

I wrote back the same month disputing the payment count on two grounds : 1. The payment count did not include the 13 qualifying payments I made to XXXX before my loans were transferred to Fedloan Servicing. 

2. It also did not include the 3 skipped payments ( for XXXX, XXXX, and XXXX ) during the time my loans had been in administrative forbearance as a result of the CARES Act. Per the CARES Act, those skipped payments should have been added to my qualifying payment count. ( Title III, Subtitle B, Section 3513 states that " Notwithstanding any other  provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ),  the Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program or loan rehabilitation program authorized under part D or B of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ; 1071 et seq. ) for which the borrower would have otherwise qualified. '' ) In XXXX, I received a response from Fedloan Servicing that was identical to the first letter, simply stating again that my payment count was 18, without any attempt to address the two specific points I mentioned in my dispute.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (TN)

On XX/XX/2019 the report says that I have a accident with property damage. 
That wasnt me, completely wrong person. 
It needs to be taken off of my report. 

Thanks -
Consumer complaint received 2021-10-24
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)

On XX/XX/2021, I begin disputing an erroneous Bankruptcy that is on my Experian credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Experian, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Experian does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Experian immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

My husband was given 3 MasterCard Debit cards from his work as awards. He gave them to me and since they were still enclosed in the wrapper I thought I would save them to use on a trip etc. I assumed like most credit cards you have to call a number to activate for use and I never did this because I hadn't opened them. When we were going to XXXX this past XXXX to see my daughter I opened one card and the sticker said your card is now active, so start using it so I tried it at a restaurant but it said I had 0 balance, and I tried it again in XXXX seeing my other daughter in XXXX and same thing=XXXX balance. So a week or so ago I called the number on the card sticker XXXX customer service for MasterCard gift cards and they said they could try to submit for a fee reversal on the 2 cards I had never tried to use but not the one I attempted to use. Yes there was XXXX balance and there were inactivity fees ( which I didn't notice ) applied ( $ XXXX ) XXXXXXXX  balance on the cards.I was told to call back 24-48hrs to see if a decision to reverse the fees but no response and they resubmitted it again for 2 of the cards.It just seems I'm out {$120.00} even tho the expiration on cards is 2023. Today I tried to call US Bank XXXX XXXX  ( since these cards are issued by them- and they have been my bank for 23yrs and I cant believe they would put out a card like this ) and was passed to XXXX people and then to? who told me to call the number on card. So I called the consumer financial protection bureau. Card # XXXX, & XXXX ( I tried to use this one ). Yes I didnt read the small fine print on wrapper but I didnt realize it was active till I opened the wrapper and read the sticker that said your card is now active so use it. My opinion is there should never be an inactivity fee- it should only go by expiration date otherwise its ridiculous to put an expiration date several years out if the inactivity fee will expire the use of the card within less than 2 yrs.This is quite the money maker for MasterCard/US Bank XXXX XXXX because I'm sure I'm not the only one this has happened too. I would appreciate your help in trying to recoup any funds possible from these " gift cards '' if possible. Also some state laws have no inactivity fees and no expiration of the value of the card which all states should have or the cards should retain full value till expiration date of a few years. Thank you for your help with this matter. There should be one law the same in all states regarding MasterCard Gift Cards and others about valuation/expiration date.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (TX)

DIVERSIFIED CONSULTANTS has been harassing me for years over my XXXX phone bill from XX/XX/XXXX. Granted the collection is past due and is a little over a thousand dollars in total. Now the reason I refuse to pay the debt is because I was XXXX XXXX   almost the whole year of XX/XX/XXXX. During that year my phone through XXXX was broken and my service I'm assuming ended. Ive told this company to stop harassing me with phone calls and " attmepts to collect a debt ''. All its doing is traumatizing me and negatively affecting my credit! I want this collection removed and I want to be left alone
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

National Credit Adjust has reported a alleged collection account on all three of my credit reports. I have already taken care of this alleged debt with the former debt collector because this was a case of identity theft. Also this debt is past the statue of collectable as it is past seven ( 7 ) years. National Credit Adjust has not responded to my letters for validation of debt and has violated the Fair Debt Reporting Laws and the Fair Debt Collection Laws.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MO)

I have been using Venmo for a couple years without issues. However, on XX/XX/XXXX my father sent me a payment of {$140.00} and minutes later they froze my account. They asked for a picture of my I'd to verify my identification. Do, I sent a picture of my state issued ID. They then asked for information to old bank accounts that I unlinked from Venmo almost 2years ago because the accounts are no longer active. I explained I no longer have those accounts and that is the reason they are no longer linked to my Venmo. So now they are permanently closing the account which is fine. However I have asked them to reverse or refund the {$140.00} payment my father just sent me and they refuse to do so. This seems so unfair they freeze and close my account right after having received a significant payment and refuse to refund the payment to my father 's account or give me any access to my money.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF 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, 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. 

Please delete from credit report immediately.
Consumer complaint received 2018-12-10
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. (CO)

I paid a loan in full on XX/XX/2018. I filed a dispute with equifax but the employee disputed company, not balance. XXXX of equifax stated it was their fault. However, I had to submit new dispute ( XX/XX/18 ) to get the balance updated to XXXX. XXXX says it will take another 30 days to correct the mistake. It is now 90 days since the balance was paid in full and has not been updated on my report. Customer service blames XXXX XXXX but XXXX confirms they provided correct info, XXXX balance. 

There is not a number to call a supervisor directly nor is there a way to submit complaint via email. I am sending to you as there is not other recourse. I hope you can assist me with this issue. Thank you!
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (TX)

Reported a weird looking transaction, which I corrected right away. A " One-Time '' sell which stated " per XXXX '', I've never seen such a thing and that type of order isn't listed anywhere in the terms or website. Reported it as strange, and inquired about its origin. Pretty straight forward, supplied the requested information and have since been frozen out of the account ( Frozen since XX/XX/2021 ). Called, no people. Email, little or rare response. The most frustrating experience I've had with any company that handles money. Been with them 4 years will not make it to 5.
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

On XXXX, experian deleted XXXX , but then it was reinserted onto my credit profile, without me being notified within, 5 days in violation of FCRA.
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant Mercantile Agency (CA)

I have a collection from grant mercantile age, account XXXX I have already disputed this account and its not being removed from credit report, I did some research and I found out you violated the hippa law for consumers rights, since your a debt colloctor you shouldn't have my medical records, I already talked to a F.c.r.a attorney who will taking my case to sue. 

we are requesting your delete this account from XXXX, XXXX, XXXX, doctor XXXX XXXX XXXX did not fix my XXXX and wants to charge me. that's crazy
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Recently, I checked my credit files and these unauthorized inquiries showed up on my XXXX. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Hi, I paid off my student loans, due to this my credit score dropped 56 points - this has drastically hurt my chances of getting a loan and buying a home. This should not have happened. I am being punished for paying off debt.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP (FL)

I keep receiving calls from the office of XXXX XXXX  XXXX but nowhere in the voice message did they say what the call was about, they just said it was a business matter. I have the voice mail saved on my phone if you need me to send it to you. They are trying to collect a debt but I have no idea who they are and why they are calling me. They should only contact me via mail and never call. This is after I mailed a letter to the collection company requesting information on the alleged debt. I believe they are infringing in my privacy rights.
Consumer complaint received 2018-12-10
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. (FL)

In the past months I see my credit report from XXXX  have numbers accounts and inquiries 44 inquiries are fraudulents accounts are XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX county  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX all those accounts are fraudulents please tell XXXX to Delaware those accounts and I right now thank you so much God bless you
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX my vehicle was repossessed from my job. In XX/XX/XXXX I paid XXXX   because my fridge went out. Not their problem. I was informed I needed {$1200.00} to get my car back. I scuffled up {$900.00} and I'm grateful that they taken it however every month I auto pay my car note. If I have been carrying over a late fee of {$23.00} for ( 7 ) months {$160.00}. {$320.00} from XX/XX/XXXX plus the {$160.00} totals {$490.00}. My car note would have come out on the XXXX but they included it in the repo plus {$300.00} for towing fee. I have been devastated every since. I don't understand. I know what part I played in it but I got NO documentation about this matter. Thank XXXX some people understood that I am an XXXX and couldn't make it without my vehicle. I am including all my bank statements as proof of payments. Credit Acceptance should have better business practice. I believe I am the first person to get a repo for a partial car note and late fees. Also XXXX XXXX XXXX needs customer service classes and should consider who they are in bed with.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has put information back on my credit report from XXXX, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by XXXX. XXXX continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from XXXX. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. TransUnion is also reporting this false information. I enclosed a copy of my TransUnion report, which does not correlate to the billing from XXXX. This is false reporting. The TransUnion report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by XXXX. It also contradicts the date closed reported by TransUnion of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MI)

I have a collection from SUNRISE CREDIT SERVICES, INC. XXXX XXXX XXXX XXXX XXXX NY XXXX : ( XXXX ) XXXX I have a statement from XXXX the company I had cable tv service through stating the account was closed with XXXX balance on XX/XX/XXXX. Sunrise is stating that a balance is still owned from XX/XX/XXXX. Sunrise has a history of collecting accounts under shady circumstances without providing supporting documentation of the debt.
Consumer complaint received 2024-02-28
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.