davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (OK)

My student loan from the Department of Education is still open, although I was awarded XXXX and XXXX XXXX. Because I am a percent XXXX Veteran. The account should be closed
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank is going after me for an item that was broken when sent. The customer service rep told me to trash the mattress since it wasnt in the original box. They fraudulently charged me for random things so I opened a case and closed my account here is proof
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (LA)

XX/XX/2023, reacged over to customer service by email, phone, and letter, account reported late payments, payments were made on time for month of XXXX, account still showing balance of {$300.00}, account paid in full. Nothing has not been resolved. Unable to get to a live person.
Consumer complaint received 2018-04-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (NY)

I, XXXX XXXX, need help from the Consumer Financial Protection Bureau to solve the problem with my student loan which was bought by 3-d party company called Nelnet.com and double it since then. 
This 3-d party Nelnet.com has NO Ties with US Federal Government. A few times, when I try to recertified my student loan through US Department of Education website I got a message to contact directly to 3-d party Nelnet.com. 
My concern about Identity Theft by unknown 3-d party Nelnet.com and double my student loan. Why 3-d party exist as student loan provider for US citizens and no student loan for illegals? 

Conclusion : The Consumer Financial Protection Bureau, please, check with US Department of Education on what grounds Nelnet.com bought my student loan from Federal Direct Loan Program Direct Loans and double it? 
Why US citizens are attacked by 3-d party like Nelnet.com and are provided with All financial information? 
This 3-d party scam Nelnet.com has to face an investigation as a US student loan service! 

It is very disturbing for me as US citizen to be obligated to repay student loan to unknown party, when illegals just take Advantage for FREE Education. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (GA)

This is my Follow-up 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 : XXXX, XXXX, NOTE ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$270.00}
Consumer complaint received 2018-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2018, this debt for {$890.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-03-29
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. (NV)

On XXXX i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Great American Finance Co (FL)

Someone made a fraudulent purchase and opened a financial account with great American finance. The purchase was made in XXXX and I'm not sure how they did it but I'm not from there. I reside in XXXX Florida. 
I made a police reports and emailed it as well as other documents to XXXX XXXX
Consumer complaint received 2019-04-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/2016, attached will be a 9 page narrative detail, including FCC complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report until XXXX. I called them Tuesday XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a XXXX Bank form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.
Consumer complaint received 2024-03-03
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.

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 2019-09-30
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. (NC)

After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, XXXX, and Experian, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Vanilla Gift Card contains {$500.00} purchased on XXXX. It was never used and I kept the card till I'm ready to use it. When I tried to purchase from XXXX on XXXX, it declined. Upon checking the card balance online, a fraudulent transaction for {$500.00} was made late XXXX. I called XXXX and reported it right away to Vanilla Card. They opened up a dispute on XX/XX/XXXX and said to wait for the dispute form in my email within 24 hours. On XX/XX/XXXX, I called again and told them I haven't received the email. The agent said she will reopen the case and send a notation to back office to send another email. Today XX/XX/XXXX, I called again and no activity was done on my complaint. I did not receive any emails. The agent reopened the case again and emailed their back office. I asked to be transferred to supervisor who said the same thing. I asked for the dispute form to be sent immediately because it's already more than a month since the fraudulent transaction was made and nothing has been done about it. The Vanilla company is not helpful and has repeatedly delayed and did nothing do anything about my complaint and has not sent the dispute form which meant that they can never start the investigation and return my money until they receive that form from me. Multiple attempts and long conversations with customer service agents prove that their process in resolving fraudulent charges is subpar and puts every gift card holders at risk for never receiving their money back. Vanilla gift cards does not protect consumers against these fraud charges even when the card has been registered online. Their process for fraudulent charge investigation is time-consuming, disorganized, no dedicated trained staff to handle situations like this, and does not send dispute form immediately to try to delay the investigation making it highly unfavorable to victims. Please help me resolve this.
Consumer complaint received 2018-04-03
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: EQUIFAX, INC. (FL)

The four major credit bureaus, XXXX, XXXX, Equifax, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

XXXX, XXXX 2019 purchased new furniture at XXXX XXXX XXXX in XXXX Illinois for {$4000.00}. 
This was using their credit card through Comenity Bank, It was interest free for 48 months. I signed up for automatic withdrawal with 1st payment due XX/XX/2019. I was making sure 1st payment came out on time by checking my bank account because they said if I was late on any payment I would have to pay the interest. On XX/XX/XXXX no payment had been taken out so I called up Comenity Bank ( XXXX XXXX XXXX   number on back of the credit card ) and they told me that the automatic withdrawal wouldn't start till XX/XX/XXXX so I needed to make a payment that day so I wouldn't be late. So over the phone I made the {$140.00} minimum payment. Later that day I had another charge of {$140.00} from Comenity that was pending..thought it was probably a mistake and it would clear out. On XX/XX/XXXX that charge went through so I had made a double payment for the month of XXXX. I called Comenity and they said they were wrong that the automatic withdrawal had gone through for XXXX and they would refund my payment back to my bank I made on the phone which they did on XX/XX/XXXX. I started looking at my statements and noticed I was being charged interest on an agreement that had 48 months interest free, Monday XX/XX/2019 called Comenity Bank and asked why I was being charged interest and they said when they refunded my double payment in XXXX they decided that that was a new charge of {$140.00} and not under the interest free 48 months! Not only are they making me pay back the double payment of {$140.00} at {$5.00} a month but also charging me {$3.00} a month till it's paid!! {$140.00} divided by {$5.00} a month that will take 28 months with {$3.00} interest a month that's {$98.00} interest on a {$140.00} payment that I should have never had to pay as they took 2 payments out in XXXX! I called XXXX XXXX XXXX phone number and they said they had nothing to do with the financing part and I would have to deal with Comenity Bank.
Consumer complaint received 2019-09-30
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)

I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : XXXX XXXX
Consumer complaint received 2019-09-30
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. (AZ)

1 ) Opted for FREE credit monitoring services after information BREACH ; 2 ) Received email notification XX/XX/2019, my FICO Score had " decreased '' although I've not incurred NO new negative accounts or credit in last three years!

3 ) When followed link found ONLY NEGATIVE ACCTS REPORTED ; 4 ) UNABLE to upload CURRENT bank accounts information ; 5 ) OR LINK BANK ACCTS WITH DIRECT BILL! accounts : CAR, RENT, UTILITIES!!! ; 6 ) ALL EXCELLENT PAY HISTORY ; 7 ) FALSE REPORTING=INADEQUATE information=bringing MY SCORES DOWN!

8 ) CUSTOMER SERVICE PHONE IS FRAUDULENT! UNABLE TO EVER REACH A HUMAN BEING! Challenge anyone to do so!
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IN)

I had a derogatory remark removed from XXXX and XXXX   almost two months ago and I contacted experian and they said they showed no derogatory remarks but since I ha free membership it would not show to me till this month. Well they updated my credit score and it still shows on my fico score. I want it off. If the others show it's been off for almost two months then I want it off experian. I'm tired of them playing with people 's credit scores
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

During the month of XXXX, Bank of America allowed 8 fraudulent accounts to be set up with my information. 

I spoke to BofA right when I received a statement in the mail, they said they would close all accounts. I then received 6 more statements regarding accounts that they had closed but yet let 2 more stay open.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

I have been reaching out to XXXX and also Reaching out to national credit systems about this matter over a year. I have provided my police reports and no one has responded about this debt of my report. No one is adhering to the laws set in place by the fcra that protects me as the consumer for having unfair and untrue things on my credit report. this matter is hurting my family and i and preventing me from obtaining jobs and securing a home for my children and I.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX and Transunion are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX   XXXX XXXX XXXX AZ account number XXXX. ( Please see page attached from my credit report. ) This account was included in the bankruptcy which was discharged on XX/XX/2013. ( Please see page attached. ) XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-09-30
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. (FL)

I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : XXXX XXXX