davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-03
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have moved and lived at my current address since XXXX XX/XX/2021 so I could show my creditworthiness to secure either a business loan or a 1st time home owner loan, yet all three credit reporting agencies think I'm still at the previous address. I have reached out to all three of them either by telephone or mail as they requested. I'm really upset right now because I'm entering my 10th month and trying to successfully get a home of my own at the least and my current score is too low to secure the funding I deserve to achieve it. In my opinion, I should have at least XXXX more points from my current score, especially when my student loans are current.
Consumer complaint received 2019-08-03
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: EQUIFAX, INC. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report 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, and XXXX XXXX. I am doing all of this on my own.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AZ)

I am writing to formally lodge a complaint against Nelnet, my student loan servicer, due to significant administrative inefficiencies that have directly impacted my financial situation and contradicted the core objectives of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. My intention is to seek an immediate review and resolution of the accrued interest charges that have unjustly inflated my loan balance, a situation that stands in stark contrast to the promises made by the XXXX XXXX. 

As a participant in the XXXXXXXX XXXX designed to provide manageable loan payments and protect low to middle-income families from accruing interest, I have instead faced months-long delays in the recertification process of my Income-Driven Repayment ( IDR ) plan, managed by Nelnet. This delay has led to the accrual of significant interest, effectively negating the protections the XXXX XXXX is supposed to offer and increasing my loan balance beyond what is just or reasonable. 

The protracted processing time and the subsequent financial burden placed upon me by Nelnet is not only unprofessional but deeply unjust, penalizing me for inefficiencies within their system. Despite multiple attempts to address this issue directly with Nelnet, I have been met with inadequate responses and a lack of meaningful resolution. 

The accumulation of interest during this period of administrative forbearance, for which I was held responsible, directly contradicts the intent of the XXXX XXXX to prevent such financial penalties for borrowers. It is my understanding that these practices not only affect me but also potentially impact many other borrowers, undermining trust in the federal student loan system and the Department of Education 's commitment to providing equitable student aid. 

I respectfully request a thorough investigation into my case, a waiver of the accrued interest resulting from Nelnet 's delays, and a comprehensive review of Nelnet 's administrative processes to prevent future occurrences of this issue. It is imperative that the Department of Education take immediate action to rectify this situation and ensure that the XXXX XXXX serves its intended purpose of supporting educational advancement without imposing undue financial strain on borrowers. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information or documentation as required and look forward to a prompt and favorable resolution.
Consumer complaint received 2022-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent your company a letter for an investigation over XXXX days ago and still have not got a response on investigation neither a XXXX-day letter status updated pursuant 15 usc 1681 . If the account has been verified, please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in XXXX days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be re-moved. Supply your response within XXXX days or delete the trade-lines. I know your company loves to back date letters to make it seem like you have already sent me these notification, but i want to make you well aware I have an account with XXXX that scans all of my mail & lets me know when mail is coming. I will not hesitate to use this in court. I have done it before and don't have a problem with doing it again. 
I have well enough information to file suit if this is not deleted immediately Account : XXXX XXXX XXXX Account # : XXXX Thank you.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (TX)

I got a loan from Balance Credit in XX/XX/2019 for {$600.00}. Ive been paying {$140.00} bi-weekly since XX/XX/XXXX. The interest rate is 558 % which I was not aware of. I have already paid over {$700.00} on the loan with 7 more payments due.
Consumer complaint received 2019-11-02
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: Experian Information Solutions Inc. (MS)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

On XX/XX/XXXX Discover card mailed me a letter claiming that I received a 1099 C for the year ending XXXX, and to support their position, they reached out to a charge on the card - XXXX. Here 's the problem with their approach. 

1. The charge dates - fall in line with the time frame where I was living in Ohio on a work assignment. I've provided Discover with the documentation to support my residency status during said time frame. 

2. The XXXX location - a neighborhood location, and a lot less stringent on identity checks. 

3. The address - associated with my name - on the XXXX receipt - did anyone at Discover bother to stop and look to see how that address is a new one and, in no way associated with me, and never has been? 

I also recently learned that Discover responded to my latest complaint saying ( to no surprise ) that I am liable for this account for the following reasons : 1. They talked to me on a verified phone line - you did? Which number, because the number you claimed you used, I proved ot you that that number wasn't active during the time frame you claim this account was opened. 

2. It was sent to the address listed on the on-line application - Really? During the time when I was in the middle of the country? As proven by my signed lease from my landlord in Ohio? 

3. That the email address on the online application and the online pay center matches the email address used on this form. Really? Please provide a copy of the application, or provide the credentials to the online pay center that verifies your claims that my information was the information used. 

4. That you spoke with me about the account on or around XXXX. Did you? Using the same number that you claimed you verified - but, in fact was rendered inacctive? How do you know you were speaking with me? 

Here is what I'm requesting from Discover : 1. I'm requesting that Discover provides a copy of these documents they claim they have to support their claims. I plan to use these documents as part of my pending legal action against them. You've referenced them in a public forum, so it's clear you have them. 

2. I'm requesting a detailed description of the process you used to investigate the circumstances around this account being opened after I provided you with proof that my phone line - that you claim you used to speak with me - twice - was actually innactive.

3. I'm requesting that you remove the " disputed '' designation from XX/XX/XXXX.

Please provide me with these items within 15 days.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The CRA, Experian after receiving my investigations regarding The Bureaus Inc did not comply with the laws regarding my rights regarding disputing inaccurate and unverifiable information. 

The Bureaus Inc did not provide information - statements alone do not meet the Act 's ( FRCA ) definition of validation - that would validate the item ( {$910.00} collections ) appearing on my report.
Consumer complaint received 2019-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

AS OF XX/XX/2019 XXXX XXXX ORIGINALLY CREDITOR WAS XXXX XXXX XXXX REMOVED A CHARGE OFF OF {$380.00} AS WELL AS THEY ARE REPORTING AN INCORRECT ACCOUNT NUMBER OF # # # # # # # XXXX AND IN THE MONTH OF XX/XX/2019 IT WAS REINSERTED ON MY EQUIFAX REPORT I WANT THIS DELETED PERMANENTLY!
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights,
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On  X/X/17    I contacted Trans-union customer service and spoke with  XXXX , I informed her that I was a victim of their " inquiry issue '' and that I was like for them to remove the inquires on my credit report. She was not helpful and would not listen and refused to help take care of the negative inquires reported on my credit report and then hung up on me after I asked if I could please speak to supervisor.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Collection Dispute : A leasing company that never reimbursed me for my one month rent deposit is now claiming that I owe them money. They have never sent any bills to me but have placed a collection notice on my file for a bill that doesnt make sense to me. I lived at complex for 2 years with no issue, the 3rd year a new management comes along and terminated lease with several tenants. And now claiming I owe them money and havent reimbursed for my one month rent deposit {$1400.00}. I have successfully disputed the item from XXXX and Experian is giving me difficult removing the item which is affecting my credit rating. I dont know what info the collection agency is furnishing for their attempt to extort money. Please help me remove this incorrect credit report from my Experian account. Thank you
Consumer complaint received 2022-07-07
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. (AZ)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMP Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (SC)

On XX/XX/XXXX I entered into an agreement with this company that I owe {$80.00} per month starting XX/XX/XXXX. I paid the following : XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} TOTAL : {$80.00} I have actually paid {$10.00} toward XX/XX/XXXX.

I am NOT past due yet my account is marked as such and I am receiving emails stating that with no response. 

I have documentation from the Vice President of Compliance and President/CEO confirming the agreed upon arrangement of which I am in full compliance. 

This company previously charged off this loan with zero communication with me and I ended up proving I was in the right. This is another egregious error on OppLoans part.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is a  XXXX   XXXX   XXXX  account #  XXXX  reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A checking account was fraudulently opened online with my information back in XX/XX/2019. I reached out to Bank if America right away to resolve and have closed. I sent an affidavit, proof of identity to them in XX/XX/XXXXand still have not received any response from them refarding the resolutiin other than them threatening to report negative information to XXXX XXXX and tge credit bureaus. They have been in receipt of my dispute since XX/XX/XXXX.
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (IL)

I actually spoke to the representative from this debt collector, and I wanted to know who to contact about 3 accounts that are saying they are from me when I never even had a XXXX  XXXX account, an XXXX XXXX XXXX account and the one of XXXX XXXX for XXXX XXXX that said it was from 2 years ago ... I have not lived in XXXX XXXX since 2014. None of these reports are me, so I think my identity has been taken and I need to know what to do for a dispute because it's really affecting my credit score!
Consumer complaint received 2017-07-05
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. (KS)

XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as :XX/XX/XXXX CREDIT PROTECT XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.
Consumer complaint received 2019-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX I completed a transaction over PayPal. I sent an amount of $ XXXXUSD to a man named XXXX XXXX . The agreement was he commission some art for me and I pay him half of the total amount up front and the other half upon delivery. The timeline was to be six months. After six months I have not heard from the man. I have attempted to contact him via email ( his email is XXXX ) to no avail. I attempted to request a refund via PayPal. I opened a case and it was almost immediately denied. It was denied do to it being outside of the 180 day guarantee PayPal offers. This situation is unique because the agreement with the seller was six months. I can not escalate the issue with PayPal and I am frustrated. This man has  scammed me out of {$150.00} and I want it back!
Consumer complaint received 2022-07-07
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: AES/PHEAA (TN)

You didnt conduct a investigation so escalate this issue to the HIGHEST DEPARTMENT... You are a Federal Government Agency. You keep saying this information accurate... I provided you with proof of the inaccuracies in past cfpb complaint with evidence. How in the XXXX is this information INACCURATE? The XXXX Date Opened XX/XX/2018, XXXX XXXX XXXX XX/XX/2018. The Account Status on XXXX says Closed, XXXX XXXX XXXX says PAID... Which One is it? Lets Talk more on your violations, Payment Status on XXXX XXXX XXXX says Current. Payment Status On XXXX states Late 150 Days... This is straight up XXXX XXXX .... Lets do you XXXX job by correcting or delete... I will speak to my State Attorney General about your violations you are committing under federal LAW by FCRA ACT. You are furnishing this inaccurate information... PLEASE LOOK INTO THOSE ATTACHEMENTS WITH PROOF OF EVIDENCE OF MY CREDIT REPORT. LETS FIX THIS BEFORE I ESCALATE THIS ISSUE... READ THE ATTACHMENTS AND INVESTIGATE CARFULLY...