davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (MA)

They are reordering my transactions in an effort to trigger overdraft fees. They post the larger transactions before smaller ones and they try to blame the merchant when I brought this to their attention. I made an order days before another one yet they posted the second one first because it was a larger amount, both orders were made with the same merchant yet they did that because then the 3 smaller transactions triggered multiple overdraft fees instead of just one overdraft fee for the larger transaction.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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.

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 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (UT)

Enhanced Recovery Services has reported this paid debt to my credit report without notifying me of the debt. They have an incorrect mailing address and will not send me notification of the debt despite me contacting the company to provide my correct address. I have paid the debt and submitted verification of this to them and the previous debt collector on this account, XXXX XXXX XXXX. XXXX XXXX XXXX knowingly sold a paid debt to another debt collector!
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. XXXXXXXX XXXX has charged this account off.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. ()

I had been using the Citi premier ( Travel card ) credit card over the years. Last year I had to relocate to XXXX for a short period and due to Covid-19 pandemic my stay in XXXX had to extend further. During this time I faced a fraudulent activity in my card, I informed the Citi about it, after their investigation the amount were successfully credited to my account. 

As the standard process they initiated the card replacement. As I was located in XXXX. they sent the card to XXXX and i was told I can continue to use the card being in XXXX. On XXXX XXXX they had closed my credit card for the reason being I'm not a resident of US which was not notified to me. They had my email address and the contact number, but they didn't communicate to me about my card closure. 

Only during the last week ( XXXX XXXX ) when I attempted to use the card for a purchase, it did not go through. When I called the customer service, I was told that my card was closed long time back and a communication was sent to my XXXX address. I told them I did not receive any such communication and also asked for a tracking number to for the letter they mailed. They did not provide anything. I was unsuccessful in re-activating my card. 

Over the years I accumulated the thank you points from my credit card and was planning to redeem it for a air ticket. when I asked for a cash back from the thank you points ( XXXX points equivalent to {$760.00} ) i was told that it got expired as I did not claim it within 60 days from the card closure. I had a long debate with the customer service that the card had been closed without my consent and there was no communication to me. They were not ready to listen and were so rude that they can not help me. 

I accumulated those points over the years from the hard earned money and was also paying the interest to the credit card for the charges. I'm so fooled and cheated by the credit card company. I felt so harassed. 

Request your intervention in redeeming my thankyou points.
Consumer complaint received 2021-07-07
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. (MD)

ASSOCIATED CFPB COMPLAINT NUMBERS : XXXX ; XXXX ; XXXX XX/XX/2021 Re : Letter to Correct/ Add Credit Information To Whom It May Concern : On XX/XX/2021, I filed a formal complaint with your office, as well as the Consumer Financial Protection Bureau ( CFPB ), regarding several issues with my Equifax credit report, and incomplete and inaccurate information reported. On XX/XX/2021, Equifax replied to the CFPB complaint, noting that a response will be mailed. To date, no response has been received by me. I received a copy of my credit report and found the following item ( s ) to be missing from my Equifax credit report : The following information is missing from my credit report. I would like it added to my credit history report, as the creditor has verified their reporting to you, and you are not reporting accurate information : XXXX. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX Account Number : XXXX 12. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 13. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 14. XXXXXXXX XXXX XXXX Account Number : XXXX 15. XXXX/XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and added correctly my report. By not accurately reporting my credit standing, Equifax has caused me harm with denial of credit from other lenders. I understand that under federal law, you must complete this reinvestigation within 30 days of receipt of this letter. I am enclosing a copy of my Equifax report that shows this account is missing. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I have a loan with Lightstream ( a division of Suntrust Bank ) that Ive been paying on for over two years and never late. The monthly payment is {$620.00}.

When COVID hit, Lightstream offered deferred payments in an effort to help. At the time, it was not informed that this so called help would require me to make a final payment of more than 8 times my regular payment. I was struggling financially because of a reduction in income so I accepted. I deferred 3 or 4 payments in XXXX. Then, I noticed that when I resumed payments, my balance wasnt going down. All of it seemed to be going toward interest. So fine, after multiple payments my balance started to go down again. 

Then, I received an email from lightstream on XX/XX/XXXX stating : Your deferred payment ( s ) along with interest accruing on a higher balance will result in a balloon payment, or a final payment larger than your current monthly payment amount, and will be due by XX/XX/XXXX So I log on to my acct to discover that my final payment is no longer {$620.00} but {$5400.00} Thats insane. How is this helping during a pandemic? This is predatory. Thats more than I bring home in a month and I would have never accepted a deferment if I knew this. So I was struggling before and now that things are better, Lightstream has made sure I will be struggling in the future.
Consumer complaint received 2020-12-09
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. (NY)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-07-07
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. (NJ)

I disputed a XXXX account with the credit bureaus for incorrect information on my credit report. I disputed inconsistencies over seven times and my credit report still does not match. On XX/XX/XXXX, I disputed the " dates of last activity '' because the dates do not match. On XX/XX/XXXX, again I disputed the " dates of last activity '' because they did not match. On XX/XX/XXXX, I disputed the " dates of last payment '' because they did not match. On XX/XX/XXXX, I sent a letter to XXXX to investigate the account, which they did not complete the investigation. On XX/XX/XXXX, I sent a violation letter to the credit bureaus for continuing to report on a closed account and failure to investigate. I would like this account immediately deleted for refusing to correct the inaccurate information.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

Amsher Collection called me from XXXX. Their representative ( rep ) XXXX XXXX stated that XXXX/XXXX had put me in collections. However, I am currently in dispute with XXXX   due to misrepresentations, faulty equipment and turning off my service but still billing me. Over a two month period, I have had over 8 XXXX representatives from call with no coordination to resolve the issues. 

The AmsheXXXX rep XXXX stated that XXXX " of course '' put my account in collections. I asked the rep to clarify why XXXX would " of course '' put my account in collections. The rep would not clarify why she said " of course '' and tried to make me wrong by asking the question, She then threatened that my XXXX account would adversely affect my personal credit report. XXXX is retaliating against me when I trying to resolve a dispute with mybill ( see enclosed attachments to the FCC and CA Attorney General. 

When I again asked XXXX XXXX to clarify what she meant, she hung up on me stating " I am courteously disconnecting this call. '' I am not sure how just saying the word " courteously '' then hanging up on someone in mid sentence is " courteous. '' Also, I am not sure how threatening to putting my disputed account into collection and threatening to degrade my credit is " courteous. '' I immediately called XXXX management ( Director of Customer Service, XXXX at XXXX ) and asked him why my account was in collections when his diviison and company was working to resolve the dispute.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I opened the account for new doors through XXXX security doors who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My XXXX  credit report shows my XXXX XXXX Account is delinquent past 30+ days which is incorrect reporting on my credit report. I reached out to XXXX XXXX and they said my account was in Good Standing and no delinquent Payments were on my account with XXXX XXXX.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

In or around XX/XX/year> I called Nelnet to see what the status of my request to change to an extended repayment plan. 

The XXXX took a while to find my request, but confirmed that I had a request from XX/XX/XXXX. In order to expedite my request, the XXXX put another request on XX/XX/year>. However, as of XX/XX/year>, but payment plan was not updated. Per their XXXX, it should take 30 days for update. I have not received an explanation on why it has taken so long.
Consumer complaint received 2022-02-03
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. (DC)

Transunion is furnishing accounts that are not mine! Pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) I am requesting ALL alleged debts to be verified within 72- HOURS of receiving this request or they be IMMEDIATELY REMOVED! Please see attachment for accounts in question.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (FL)

I reached on in the month of XX/XX/2023 to have some accounts that were reporting inaccurately on my credit report removed. I am very familiar with the laws in which governs these credit reporting agencies to report facutal data when it comes to my name. 

The list of accounts which they are knowingly reporting inaccurately are the following below : 1. XXXX XXXX = Inaccurate ( HIGH CREDIT, DATE LAST ACTIVE, DATER OF LAST PAYMENT, DATE LAST ACTIVE. 

2. XXXX XXXX= Inaccurate ( DATE LAST ACTIVE ) 3. XXXX XXXX XXXX  = Inaccurate ( CREDIT LIMIT, DATE LAST ACTIVE, DATE LAST PAYMENT. 

4. XXXXXXXX XXXX  = Inaccurate ( BALANCE, PAYMENT STATUS, DATE OF LAST ACTIVITY. 

5.XXXX  XXXX = Inaccurate ( PAST DUE, DATE OF LAST ACTIVITY, DATE OPENED 6. XXXX XXXX = Inaccurate ( BALANCE, DATE OF LAST PAYMENT, DATE OPENED, NUMBER OF MONTHS " TERM ''. 

7. XXXXXXXX XXXX = Inaccurate ( MONTHLY PAYMENTS, BALANCE, PAYMENT STATUS. 

8. XXXXXXXX XXXX = Inaccurate ( ACCOUNT INFO ) XXXX AND XXXX REMOVED THE ACCOUNT BUT SOME HOW EXPERIAN IS STILL LISTING ERRONEOUS ACCOUNT )
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (MO)

The XXXX, Experian and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be CORRECTED. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or FIX this from my personal file.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I just needed 1 credit report from 1 of the companies. 
XX/XX/2022 I tried 6 times getting my free credit report via XXXX as listed on XXXX  : XXXX 

The first 4 times I tried doing it online. 
I tried XXXX 2x. It put my incorrect current address, though I filled out the form correctly. 
And then : " Page not found The page you requested does not exist or can not be found. 
Please return to XXXX and follow the steps on that site to request your free annual credit report. '' I tried XXXX twice via webpage too. 
Each time they gave non-relevant security questions where I checked : none of the above. 
The page said ( and there are no typos I'm writing ; the webpage had the typose ) " we have experienced an issue processing your request. We-re sorry, we are unable to process your request at this time. Please contact our XXXX XXXX XXXX at XXXX for additional help completing you request. The XXXX XXXX XXXX is available between XXXX. '' The second 2 times i tried doing it on the phone XXXX 1st time ( Equifax ), the automated system kept getting my name wrong, and there was no confirmation the computer got it correct, since the software didn't repeat the spelling of my name back to me. 

The 2nd time, a similar thing happened with XXXX. 

I hope i get the reports mailed to my address, but there's no confirmation that the info was inputted correctly by the software.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP (CA)

I am disputing the charge from XXXX XXXX XXXXXXXX XXXX XXXX on my account on XX/XX/2024 for {$1000.00}. I have not received the service from the merchant and all my attempts to try to contact the merchant have been unsuccessful. The merchant has not provided anything to substantiate this charge. I ask that you credit back this charge.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

I settled an account an with True Accord, and made the payment to True Accord because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is XXXX XXXX. XXXX XXXX is violating my right to have fair and accurate credit information reported. XXXX XXXX does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. XXXX XXXX is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to True Accord. The account was settled and there is a XXXX  balance on the account. XXXX XXXX refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to True Accord not XXXX XXXX.
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (NV)

I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, XXXX  and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either XXXX, XXXX  or Equifax.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (NM)

The account was in charge off status on my report from XXXX  and XXXX  I disputed the account and it was removed from XXXX but not XXXX. In XXXX of 2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX  account showing open and current! I have not And will not ever paid on this account as my XXXX  ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my abuser! However if you look at the history of the account you will see it should not be reported as open and current!
Consumer complaint received 2020-01-29
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. (GA)

To Whomever This May Concern : Experian has one time to get this right before I file a lawsuit against them. I was finally able to pull my report. I have never had any accounts with XXXX XXXX XXXX XXXX or XXXX XXXX. I have never had accounts with them at all. I will be updating my police report, but until then I need these removed asap. These items are not mine and are fraudulent and they are hurting my credit score and my score with other creditors that I pay on time. I need them removed asap. These are items that have been removed once before and they have added them back on. This is unacceptable and I will file a lawsuit asap if they are not removed immediately.