davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (IL)

I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to NELNET LNS accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I  recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2022-02-17
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to myXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc. (DC)

On XX/XX/XXXX. I sent this to aidvantage who is formerly known as XXXX Department of Education loan servicing. This was sent through XXXX certified mail and they had received the document return domestic card on XX/XX/XXXX. The XXXX tracking information is XXXX XXXX XXXX XXXX XXXX XXXX. Today is XX/XX/XXXX. This corporation has been practicing non compliance towards me. It is past due and I'm filing this compliant to show. I contacted them properly and they have failed to comply.
Consumer complaint received 2022-08-26
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$19000.00}
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MO)

I got a Comenity card from XXXX back in XXXX, apparently XXXX stopped using them as creditors for their credit cards. I still had to pay off what I used with Comenity when they were no longer affiliated with XXXX. XX/XX/XXXX I received a statement showing what I owed and that I still had available credit to spend proving that the account was open. I called them to set up payment arrangements to pay it off and told them to close my account. I no longer wanted this card so my next statement XX/XX/XXXX showed that my available credit was XXXX but also showing what I still owed. I have statements from XX/XX/XXXX until XX/XX/XXXX showing that I paid this card off. I kept paying the remaining balance yet they still kept charging me a finance fee and if I didn't pay that Finance fee on the account that was supposed to be closed they would charge me a {$40.00} fee racking up more debt. They refuse to close this account and they keep charging me every month a small Finance fee that's two or three dollars that again, if I don't pay they will rack up a {$40.00} fee every month on that two or three dollars. Mind you the only reason I had this card in the first place was to purchase things from XXXX, this creditor was no longer affiliated with XXXX therefore I no longer needed it so when I paid it off it should have been done with but they continue to send me statements with a new balance every month with finance charges when I have called them over and over again about closing this account.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (FL)

When shopping for a brand new home in XXXX XXXX, XXXX XXXX, Florida - all the Builders steer all mortgage loans to their own Lender and I have been using someone else. Unfortunately if I do not want to use their Lender I have to forfeit a {$7500.00} credit back to me towards about {$10000.00} worth of junk fee 's the Builder is charging me - just to make sure I use their Lender. I went to XXXX and XXXX, XXXX, XXXX, XXXX and all the builders there are doing it! I thought steering was illegal? I am being forced to use the Builders Lender no matter what Builder I choose - they are all doing it!
Consumer complaint received 2020-07-27
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. (AZ)

I have been a victim of identity theft. I have asked for these fraudulent accounts be removed from my credit report and it has now been 60 days and these credit bureaus are unresponsive. When you call they say they didnt receive the documents although the certified mail states that they have. I provided the tracking info and was told they would look for it and call back but again no call. I was told it would take another 30 days after they have now had 60 days already to do their job. Att is point I dont know what to do.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC (TX)

I received a debt collection letter from Johnson Mark XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Texas XXXX XXXX. Referencing my anticipation of a possible tax refund. XXXX XXXX may request a 1099C form with the Internal Revenue Services to cancel debt of $ XXXX. 
Attorney XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX, placed a lien on my XXXX and XXXX XXXX XXXX XXXX  checking and Saving and received {$2700.00} from both accounts., I did file a complaint with CFPB XXXX. I received a release from XXXX XXXX XXXX XXXX. And today I received a letter from Johnson Mark demanding an additional amount of {$1600.00}.
Consumer complaint received 2022-08-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I pay in full my credit card on XX/XX/2023 but they charge me interest because they said after 3 months that they not received my direct deposit on XXXX and so ask my bank for information and they told me that the money was sent to the account with is : CITIBANK BEST BUY VISA.. I call them to make sure they know that the money has been deposited.. but they denied it.. I send all the documents ( from my bank ) they asked me but they didnt give me any solutions.. make me pay again for something that was already paid..!! And know again they asked me to pay more money ..and i refused to do that
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WA)

On XX/XX/2022 I was notified by FedLoan Servicing that my loans were being transferred to XXXX. Now my loans are duplicated on my XXXX report. I have attempted to get them to remove the duplication multiple times since XX/XX/2022, but they deny the dispute every time, despite evidence from both My XXXX and XXXX. This doubling of my loan has resulted in higher interest rates for auto loans and has been extremely frustrating. 
I am attaching the notice from FedLoan Servicing that states my loan will be transferred and the " Welcome Letter '' from XXXX.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MS)

I was scammed out of XXXX for a car that was sold to me not even fit to drive it didn't pass inspection it had bent frames and I only had it for one month I was not behind on my payments nor was I in any contract violation. I sent chime serval XXXX reviews and police reports stating that I along with many others have been scammed that claim to have done an investigation but I have to see the evidence that the carlot has provided. I just want my money back. 
I attached some of the evidence i sent to Chime and trust me i have over 100 more i can attach
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I received my statement in the mail from Comenity - Ultamate Rewards Mastercard and initiated payment via my bank on XX/XX/XXXX and my bank records indicate the payment was delivered by XX/XX/XXXX. Comenity claims they did not receive payment until XX/XX/XXXX and issued a {$31.00} late fee. I do not feel that I was justly charged a late fee, nor should I have this reported on my credit. The company would only offer a {$15.00} credit and requested payment over the phone with them that would be a {$9.00} charge.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MD)

I closed a Citibank estate checking account on XX/XX/XXXX. No service fees had ever been charged. 

On XX/XX/XXXX, Citibank charged me a {$15.00} service charge and notified me that the checking account was overdrawn on XX/XX/XXXX. 

This was unauthorized. How often is Citibank charging a closed checking account without authorization? Could add up to millions of dollars.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX  XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Every single call to Experian is either ignored or placed in an endless automated phone loop. I went over my Experian credit report and they are not only displaying inaccurate information for themselves but have inaccurate credit information from the other two agencies ( i.e. false credit scores ). 

I have called them the day before yesterday and now again today ( This, XX/XX/2022 ) Is this normal for them? If they do the least why are they allowed to make important decisions that affect our lives?
Consumer complaint received 2018-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (PA)

XX/XX/2009 the schoo is closed down and charge all this money and never got anything out of it. {$3000.00} they are saying i owe grate lakes but the school closed Call Us Call : ( XXXX ) XXXX
Consumer complaint received 2018-05-02
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. (GA)

Experian refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Experian has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs.It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed Experian Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the Court 's letter is attached showing they will never disclose this information to credit reporting agencies.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc (LA)

Transfinancial Companies is reporting an unknown medical account ( s )  XXXX in the amount for {$120.00} ) on my credit report ( s ). I mailed Transfinancial Companies a registered and tracked letter via the United States Postal Service on XX/XX/2018, requesting validation for the debt/account ( s ). More than thirty days have passed and Transfinancial Companies has not responded to my request for debt validation for the account ( s ) their company is reporting on my credit report ( s ). Transfinancial Companies has not responded to my letter requesting debt validation but continue to report the unvalidated/unverified account ( s ) on my credit report ( s ). In addition, Transfinancial Companies placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Transfinancial Companies never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ) .Moreover, I have always retained medical insurance. I contacted my medical insurance carrier and the original creditor regarding the account ( s ) /debt in question and was told by both that I did not have any outstanding medical bills that were not paid in full.

Transfinancial Companies is causing me injury and is harming me emotionally, physically and financially and causing me mental and emotional stress and anxiety, which are  exacerbating and aggravating my current medical issues.
Consumer complaint received 2022-02-17
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. (WA)

To Whom it XXXX concern, RE : XXXX XXXX Pursuant to XXXX XXXX Code XXXX ( XXXX ) ( B ) " the term consumer report does not include '' " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account you are in violation of the law. 


remove the Account : XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Consumer complaint received 2018-05-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (CA)

I called and set up a payment program where I would repay the highest-interest loans first. The lady on the phone when I called indicated that this is how it would work. This was 6 months ago. I log back on to my account to see that this is now what's happening ; they've been distributing my payments equally among the loans, not targeting the highest interest loan like I specifically set up. I called them back and they said that this is standard procedure and can't be changed. I am suspicious. I think it is fully within my right to choose which loan I want to repay first, but according to them I can not do this, i must repay in the way that they dictate ( spread out among the different loans and interest rates ). This seems pretty manipulative and abusive.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2018-05-02
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. (AL)

On my Transunion credit report, there is XXXX XXXX/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through Transunion, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. Transunion should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( XXXX XXXX ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (VA)

I HAVE A TD CHECKING ACCOUNT WITH MY KIDS AS BENEFICIARIES. 

MY KIDS WERE SENT UNSOLICITED, TARGETED CREDIT CARD OFFERS FROM TD BANK. 

I WANT THIS PRACTICE - OF BANKS USING PRIVATE BENEFICIARY DATA TO MARKET THEIR ACCOUNTS AND SERVICES - TO STOP.