davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Store credit 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. (OR)

Someone stole my card to Homedepot I didn't notice the card was missing until I recieved my Monthly Statement. I immediately called to inform them. They reversed the charges and sent me a new card. After a few weeks I get a Statement that shows they reversed the reversal. I called and they told me they denied the claim. I filled a police report and credit card company was suppose to send me more information. I have not recieved any correspondence and they are saying I owe the money. They claim they completed the investigation. Obviously they didn't compare signatures/security footage or do any sort of investigation or they would of clearly seen I wasn't the person who made these charges.
Consumer complaint received 2020-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

My student loans are part of the PSLF program. I am a XXXX  and have worked in a XXXX since XXXX. I have accumulated at least 5+ years of qualified payments under the PSLF program. As of my most recent yearly employee re-certification form they ( Fedloan servicing ) is saying that I've only made 9 qualified payments. I contacted them ( Fedloan servicing ) on XX/XX/XXXX about their mistake. On XX/XX/XXXX I received a bland e-mail saying my account was in review. It is XX/XX/XXXX and have yet to have this problem resolved.
Consumer complaint received 2020-02-06
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. (VA)

I already reached out to Equifax and to XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Consumer complaint received 2024-02-10
Product: Credit reporting 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)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my right, And lists of unauthorized 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (TX)

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Consumer complaint received 2019-04-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (MS)

This was a payday loan from Speedy Cash and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. Speedy Cash sent this debt collection to XXXX XXXX XXXX XXXX, XXXX. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and XXXX XXXX XXXX XXXX , XXXX is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

50 days ago, I sent a letter to Equifax. In my letter, I identified information that was reporting on eight separate accounts. I asked Equifax to conduct an investigation on the inaccuracies and respond back to me as soon as possible. As I understand it, they are supposed to respond within 30 days. But like I said, its been 50 days and they have not responded yet.
Consumer complaint received 2019-04-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (TX)

I was in loan rehabilitation for a student loan. Around late XX/XX/2019, I successfully rehabilitated my defaulted loan and it was transferred to Nelnet within the following days. 
My last balance from the previous loan collector was at {$1500.00}. After the change over to Nelnet, the balance went up to {$2100.00}. On XX/XX/19 around XXXX ( central ), I talked to a Nelnet representative. Nelnet gave me a vague answer stating a 20 % increase happens when loans come out of default. The new balance is more than a 20 % increase. The Nelnet rep could not offer any other reason why my balanced increased. 

The previous loan collector was XXXX XXXX XXXX ( XXXX ) and Nelnet is the new collector. 

I have included the last notice from XXXX showing the balance they had.
Consumer complaint received 2019-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (HI)

I applied for a short-term loan on or about XX/XX/XXXX. After going through the application process ( which included putting down my SSDI benefits - this was verified electronically from my bank by them ), I was presented with a contract. After I read the contract, I SIGNED it. Then I was informed that I would be notified in 24hrs of their decision. I called on XX/XX/XXXX and was informed that my income was insufficient. 
1. They verified my bank account and SSDI deposits before the contract 2. I have a signed contract. It has the amount to be borrowed, the payment schedule and the interest, as well as a promissory note. 
3. Nowhere on that contract did it state that the loan was still under review, or that it was NOT the actual loan agreement. 
I would not have signed it otherwise ( They were told so ). I would not have signed it because I would be unsure if the terms would change. 
Again, I have a SIGNED contract with oppLoans - this after the did their checks I had applied for their loan several months previously, and was told that all that remained was my signature ( I refused - didn't like the terms ). They even emailed a copy of the contract ( unsigned ). This time they didn't do so. I took photos of the contract, however. I will try do send them. Notice that the signature date is the XX/XX/XXXX, but the document date is the XX/XX/XXXX ( didn't notice that before )
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TX)

This card thru Barclays was opened sometime in 2014 and was the result of identity theft.the individual who did it opened it on Colorado or wyoming  where I do not live or ever lived.provoded them with proof I didn't live in cities or state card was opened and proof of residency etc.they have illegallyi kept this debt on my XXXX credit report .my ss # ends in XXXX
Consumer complaint received 2019-04-06
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: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX I received notice that a delinquency was reported to XXXX on my auto loan. I purchased a vehicle on XX/XX/XXXX, it was financed through Ally Financial at the dealership. I later refinanced with my bank XXXX XXXX XXXX. Multiple times since refinancing I received letters from XXXX stating that they had not yet received the title and I was at risk of default. The first two times I called and explained it was a refinance and they should receive the title from Ally and I was told to ignore the letter. The third time they looked into it and discovered that the payoff to Ally was {$10.00} short so they wrote a {$10.00} check to Ally to settle the account. The next thing I heard was the delinquency report on XX/XX/XXXX stating that the account was 60 days past due with a {$10.00} balance. I immediately filed a dispute with XXXX and then called XXXX. We ended up on a three way call with Ally where it was discovered that Ally processed the payoff incorrectly and was trying to claim that I still owed a car payment, which was not the case. By the end of the call, Ally essentially admitted fault and cleared the account. They also stated that they would remove the incorrect report to XXXX. When I got my results from XXXX they stated that the delinquency was verified to be accurate. They did show that the account has since been settled but they still did not put my credit score back to where it was because of the incorrect report. 

I am also including XXXX in this complaint because I called three times and they did not look into it at all until the third call. This could have been avoided if they would have taken care of it the first time I called. In addition they were the ones who wrote the initial check in the wrong amount, causing the entire issue.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I recently reviewed a copy of my credit report and had notice some information that was incomplete and not 100 % accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maxium possible accuracy of the information concerning the individual about whom the report relates. 

This account : XXXX XXXX XXXX  / XXXX Account Number : XXXX are not complete and accurate And one more thing according to to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows that the information is inaccurate Please see attached document from Experian
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (VA)

This is the only card I've ever had that makes it next to impossible to use your card. The only way you can make payments is through using the actual card number and exp date as a credit or debit transaction. That's okay for household utilities, but what about credit cards and other bills? They provide no routing and account number that will allow you to pay other bills. So your options are credit debit transaction or withdraw from an ATM. As XXXX  card designed for elderly and XXXX, this is ridiculously inconvenient. They used to offer a direct bank transfer for a small fee though it took 3 to 5 business days to hit the other account, at least it was something. They stopped the service with no warning or explanation over two years ago, but it's still featured on their website and customer service still tells people it's available ( if you manage to reach someone ) and it still lets you start the process, and takes the money out of your XXXX account for a few days just to bounce it back to your card and leave you floundering trying to figure out how to transfer money to a legitimate account each month. XXXX XXXX? Blocked. XXXX XXXX and XXXX? Blocked. XXXX transfer? BLOCKED. And that's on top of the countless complaints of fraud and issues with ATM machines where people get a receipt for a withdrawal but no money. Please! The government needs to find another vendor and shut them down. It shouldn't be so hard to use your own money to pay bills.
Consumer complaint received 2023-02-23
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: Cascade CISS Holdings, LLC (NC)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act
requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. 

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

I have a mortgage that was bought out by PNC bank ( pnc.com ) PNC does not allow customers who do not have a PNC banking account ( ie only have a mortgage account ) to make extra payments correctly. PNC is using deceptive banking techniques to steal interest from customers. 

Example : Let 's say I have an automated monthly mortgage payment of {$2100.00} ( XXXX principle, XXXX escrow, XXXX interest ) per month. If I use PNC 's website to make an early mortgage payment of {$2300.00}, PNC does not allow you the ability to allocate all XXXX to the principle. PNC will take your money and just pay the next month of mortgage ( effectively allowing PNC to make more interest money off of their customers ). This is due to XXXX not being applied appropriately ( ie it goes to escrows and interest ). PNC deprives customers from immediately having the XXXX lower the monthly interest collected When I called PNC to ask why they don't allow me to allocate the money the way I want they say i have to open a PNC bank account to choose how my money is allocated or I can call every single month and waste 20-30 minutes of my time to have them file a misapplied payment correction. I told them well i would like to request this on my file as a preference so i don't have to call every month. They told me that wasn't possible.
Consumer complaint received 2019-04-06
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX XXXX, XXXX, XXXX XXXX My employer is XXXX please 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 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX CT, XXXX, OH XXXX My employer is XXXX please XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-04-06
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)

Email received today, XX/XX/2019, from Experian showing a reduction in my credit score of -XXXX points to XXXX because of negative collection activity initiated by a company called XXXX XXXX XXXX, ( acct. # XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ) acting on behalf of XXXX House, XXXX XXXX, XXXX XXXX XXXX ) for an account opened apparently in my name inXX/XX/XXXXand now owing a balance of {$570.00}! What's unnerving is this is the second identity fraud against me regarding a communications bill. The one I filed with you last month was from XXXX XXXX. A police report was filed and the collection was removed immediately. To add insult to injury I have a one ( 1 ) year security alert with Experian and the other two ( 2 ) credit reporting agencies, but apparently to no avail. 

Experian, without any notice to me, just reduces my credit score. And, this company, XXXX XXXX XXXX had never contacted me and when I tried calling they are only open during the week.
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state. ( I need proof you can collect in Texas ) 3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. ( Not received ) 4. A complete payment history, detailing all payments made and any credits applied to the account. ( Not received. Ask for complete payment history include credits ) 5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. ( Not recieved ) Regarding the interest charges, based on my understanding, the interest rate applicable to this debt should be 6 % per annum, as per Texas regulations. By my calculations, the interest due amounts to {$430.00}, bringing the total to {$7700.00}. However, according to XXXX, my balance is reported as {$7900.00}. Also the according to the letter Interest Due is {$550.00} and Total Due is {$7800.00} which is above the 6 %. Under Texas regulations, the statutory interest rate defaults to 6 % per year ( or 0.5 % per month ) on the unpaid balance of the debt. It is crucial that debt collectors comply with both the FDCPA and the Texas Finance Code, which regulate the collection of debts, including any interest charges.
Consumer complaint received 2020-09-15
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: Eastern Revenue, Inc. (PA)

I filed a dispute on the XXXX of XXXX XXXX requesting Eastern Revenue, INC. to verify accurate information on account file # XXXX, creditor being XXXX XXXX. They responded with verification of some else 's information supporting my complain that what they posted on my credit report is not accurate and that I have no knowledge of the account. They stated that the information provided was accurate on the paperwork dated on the XXXX of XXXX. However the name on the paperwork they sent is not my name and the address on the paperwork is not my address either.
Consumer complaint received 2019-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX andXX/XX/2018.. inquiries on my credit report that I did not do.. I talk to the representative at Trans Union told her that I spoke with these companies and they had no information about me ever applying I asked her to remove them and she told me that she couldnt do that..