davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the investigation request that I sent to XXXX and Trans Union on XX/XX/XXXX of 2018. They were supposed to respond within 30 days, but they have not. I have tried multiple times to follow-up in regards to my investigation results, but the follow-ups have also been ignored.
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (SC)

Netspend I purchased 2 game system ONLY from XXXX for my grandsons who live an hour away from me as a XXXX gifts. On I purchased the full amount on my card the other a purchased a couple days later has to go to another store once they came in stock to buy one part cash and the remainder on my card I had charges for something with online purchases totaling {$240.00} for something that had to do with XXXX XXXX starting around XX/XX/XXXX but I didn't know it until my card was declined knowing that I still should have had money on the card. I checked the transactions as soon as I noticed it I disputed the charges. Supposedly it was escalated yet the last time I emailed there was no response I do not have a game system in my home being that I am a XXXX year old female and they don't live with me
Consumer complaint received 2023-08-02
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. (CA)

This is my SECOND 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 XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$120.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$310.00}.
Consumer complaint received 2021-08-18
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. (PA)

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$0.00} ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX Balance : {$2700.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$7200.00} ACCOUNT NAME : US DEPARTMENT OF EDU ACCOUNT NUMBER : XXXX Balance : {$4000.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} ACCOUNT NAME : US DEPT OF EDUCATION ACCOUNT NUMBER : XXXX Balance : {$1400.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (WA)

My discover checking account was compromised. 

A check of mine was stolen and altered. 

I very promptly notified Discover and was sent an affidavit to fill out. I also filed a police report to put on the affidavit. In fact, I called Discover to help me with filling it out. 

Discover is now informing me that the affidavit was improperly filled out because too many things were initialed. I very honestly filled this out and even asked for assistance.
Consumer complaint received 2020-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (MI)

I have sent XXXX $ using my credit card to my XXXX account on XX/XX/2020 and money has not reached my XXXX account as promised by XX/XX/2020. I tried to contact Skrill on the same week until XX/XX/2020, skrill always trying to wash their hands saying money is sent and its processed like that. by XX/XX/2020 i filed a chargeback on my credit card which didnt go well on my side. so credit card company came back and said dispute is not right. 

by this time skrill suspended my account and i have noticed skrill   got XXXX $ back in their account ( which i think it never processed to my XXXX account ). Above transaction happened on XX/XX/2020. i contacted skrill to make this XXXX $ available to my by XX/XX/2020 and they wanted my CC statement and letter from me for chargeback. i did provided on same week. even after multiple follow ups happened between XX/XX/2020 and today XX/XX/2020, skrill never tried to resolve my complaint. they keep saying they have escalated the case but never made my money available.
Consumer complaint received 2019-01-18
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. (IL)

On XX/XX/2018 I received an updated Experian credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Experian detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Experian conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Experian able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Experian credit report. This is my final attempt at a resolution with Experian regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.
Consumer complaint received 2021-03-08
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. (PA)

On XX/XX/2021, Transunion failed to fix the errors on my credit report and decreased my credit score by 22 points. My auto loan with XXXX XXXX XXXX XXXX was paid in full but my score was never updated or increased. In addition, my account with XXXX XXXX XXXX was updated as improved due to the account being refinanced but Transunion marked it as a negative on my credit report. 

Transunion is failing to update or correct the errors on my credit report on time and is not increasing my credit score when my accounts and balances are paid off.
Consumer complaint received 2020-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MI)

This is not an duplicate complaint. In order for me to fill out the Identity Theft Report the Higher Education Act of 1965 included Addendums to the Note like the 3 days before distribution of the loan can the borrower cancel? 

I need more documents the Police told me. I need the Addendum to the Fake Document The Recession form, Truth In Lending form, Approval form, Credit Check form, SLM Corp address, phone number, location, account number listed on the Schedule Disclosure # XXXX who does that account belong to and where is it located in XXXX. Where did the Web Note come from. Since your FFLEP Application Consolidation and Promissory Note is non electronically what is the process of typing in it to link to the SLM Corp Website to produce a print signature. Under the HEA in which the Note is govern what software was used to get the print signature example XXXX, XXXX XXXX. The Consent form for electronic documents to be sent to me. Payment Options form, Was the WEB form approved by the government OMB? On the addendum to the Note Schedule you approved a consolidate Perkins Loan as an unsubsidized Loan so we need the approval letter from the school the loan was paid. The Loan Verification Check form. I sent Navient two letters that stated loan money was returned to the lender XXXX XXXX since SallieMae was  the servicer in XXXX did they lose the records? The Consent form that I approved the loan. The contract Promissory Consolidation FFLEP between me and the SLM Corp signed example the Application FFLEP Consolidation and Promissory Note list the Web as the owner of the Note. Then the Addendum to the Note the Disclosure and Schedule of Payment form that was typed up a month after the loan was approved the Schedule of payments XX/XX/XXXX state SLM Corp as the lender the Addendum to the Note is not a contract under the HEA. The HEA state the Application and Promissory Note must be sign by the lender and borrower in the lender website? The HEA state electronic signature must be done in the lender website. So why did SLM Corp approve a Promissory Note not filled out in the SLM Corp Website? Since SLM Corp was established in XXXX how could they approve a Application FFLEP Consolidation and Promissory Note In XXXX? What was SLM Corp credit eligible-ability in XXXX? 
I need the additional documents and questions answered the police detective told me when I showed him your fake Note so they can write up there report and give there opinion for the Identity Theft Report. I need the documents and questions answered as soon as possible because under the FCRA Navient is reporting wrong.
Consumer complaint received 2022-08-28
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. (IN)

I was a young girl and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have been contacting XXXX  and Experian several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : XXXX XXXX
Consumer complaint received 2023-08-01
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: LendingPoint Holdings LLC (OH)

On XX/XX/XXXX XXXX XXXX XXXX submitted a Loan ( without my permission ) to Lending Point. 
XXXX XXXX received {$19000.00} from Lending Point ( a loan that I did not authorize ). 
From XX/XX/XXXX to current, Ive asked XXXX XXXX to refund this lender, and bill me for any balance after my insurance had paid for 3 extraction. 
Ive been told by XXXX XXXX numerous times ( different reps for over 8 months ) that they were refunding Lending Point the entire balance and would correct my account and bill me after insurance paid. My last conversation with XXXX XXXX prior to today was in XX/XX/XXXX in person, and I was informed then that they had computer issues, fired the person responsible, and would correct my account. 

On today ( XX/XX/XXXX ), I spoke with XXXX XXXX of XXXX XXXX, inquiring why they had not refunded Lending Point. 
XXXX informed me that they refunded {$18000.00} to Lending Point, and that {$350.00} was not refunded ( {$350.00} is what I owed after insurance paid ). 
XXXX asked that I pay Lending Point {$350.00} to resolve the matter. 
I refused to pay Lending Point, and I insisted that they refund the remaining balance of {$350.00} to Lending Point since I did not authorize the loan. 
I requested ( of XXXX ) that I pay XXXX XXXX {$350.00} XXXX forwarded a link to me, and I submitted the payment of {$350.00} ( attached receipt of Payment to XXXX XXXX ). 
I requested that XXXX give me something in writing that they would refund Lending Point, and he sent me a ledger. 
According to the ledger that I received today ( XX/XX/XXXX ) from XXXX XXXX ( XXXX ) ; XXXX XXXX refunded {$18000.00}, and kept {$350.00} on XX/XX/XXXX ( see attached ledger from XXXX XXXX ). 

I spoke XXXX at Lending Point regarding having this removed from my credit report, and XXXX instructed me to file a Fraud Report with our Police Department, and send in the report, along with my drivers license to XXXX. 
I asked why the amount on my credit report is {$1400.00}, if they refunded all except for {$350.00}? The response was that it was interest. 
I informed XXXX that I paid XXXX XXXX {$350.00} today, and that I wanted this removed since I DID NOT authorize this loan, nor should it be on my credit report. 

I asked that Lending Point send me a copy of the refund ( s ) that they received from XXXX XXXX. The ledger from Lending Point confirms that only {$18000.00} was refunded, and that XXXX XXXX withheld {$350.00} ( attached ledger from Lending Point ). 
On XX/XX/XXXX, I filed a police report, and file a complaint with the XXXX 
This Loan should be REMOVED from my credit report, and applied to XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX OH XXXX they are the originators, and recipients of this loan. 

This loan has created a negative impact on my credit-resulting in a poor credit score.
Consumer complaint received 2019-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (KY)

I was a trustee at PNC bank an had business with this company, the location of this was XXXX XXXX, I have loss my power of doing business with this bank, I came to the bank an spoke to one of the clerk there an waiting for response from the bank clerk, the banker want my, ( SSN ) social security number, I had went down the block already why I told the teller about problem in business I had, my private info I have to e-mail to the teller.Correct address to bank is, XXXX XXXX XXXX, XXXX, KY XXXX.Seeking a support system have police report at XXXX metro police department , an have asked for other report that have been denied by these officer trying to talk to XXXX integrity unit around XXXX, an the officials there, this is ask the expert, I have open other bank to this is the more reason encounter of where is my account.

Thank You, XXXX XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This has been on my credit report for quit sometime. I have tried to dispute to through the credit bureau but it is still on my report.The original creditor os XXXX XXXX and I have called them and both times I hae=ve been told I have no out standing account with them.
Consumer complaint received 2019-01-07
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. (OH)

I have a unverified account on my credit report from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the account responsibly. However during that term I managed to acquire some alleged negative credit items with FICO. Eventually I look forward to the correct status of this inaccurate account and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I asked for original purchase agreement signed by all parties involved. Because I have had several different companies reach out to me about this same alleged debt. 
They have the date opened as of XXXX & delinquent which is incorrect reporting on my report. As you will see on the statement the account was opened before that date and due to a financial hardship I faced in XXXX was last payment. Please see attached statement
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

I asked for and received a Covid-19 deferment. I was under the understanding that the deference wouldn't effect my credit report. Which the loan company has reported and effected my credit rating. I also asked for a refinance, an IRRRL, which was denied since I was in a deference status according to PennyMac Home Loan Servicing representative ...

I recall a letter being sent out by the CFPB to certain lenders to comply with the CARES Act. PennyMac was on the list.
Consumer complaint received 2019-01-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MN)

XXXX managing XXXX student loan XXXX reported delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This loan is in deferment as student is back in school fulltime and has been in deferment since XX/XX/XXXX.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX and XX/XX/2020 this company used my credit information without my knowledge or consent. Transunion  did nothing