davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (CT)

My name is XXXX XXXX i tried to close my checking account with netspend on XX/XX/2019 they havent sent me my XXXX dollars for over a month i changed adresses and states i live in XXXX XXXX now and was previously in XXXX. I have called them more than ten times on the matter and multiple emails to there corperate office also please call me back at XXXX XXXX XXXX for more information thankyou
Consumer complaint received 2022-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TN)

I currently have loans that are about to go into default through Sallie Mae, and of course this is not what I wanted. I have called several times to explain my financial situation, and I seem to be getting a deaf ear. I currently get paid {$19.00} an hour and work XXXX hours a week for an XXXX clinic. I am doing this to gain the hours need to so that I can gain access to the job I went to school for. After explaining my situation multiple times I am told the only plan is to pay XXXX XXXX monthly. Between my rent, car insurance, groceries, gas, phone/internet, electricity, and paying off credit cards this payment is impossible. I am not in a position where I am trying to not pay. I am willing to work with the department but it feels as though they are not willing to work with me. I plan to pay off these loans. I want to pay off these loans. I took them out when I was XXXX in college because there was no other option available to me. Now I'm in a position where I'm trying to advance in life so that these payments can be made but at the moment it just isn't possible. I am asking if someone will consider where I am, and give me the opportunity to pay what I can to do better. It has been quite difficult dealing with this over the past few months, being put on hold for hours, getting disconnected, and being talked down to while also being threatened to have my wages garnished. I told the people I spoke to I am able to pay $ XXXX {$100.00} a month and I was scoffed at. I am doing the best that I can to make ends meet, and I know that I am not the only person experiecing this.

Please Sir or Ma'am Reconsider your current protocols and procedures in efforts to help those like myself who you were so willing to help when there was hope of a prosperous future when I took out this loan, and now facing my reality that it is almost impossible to get a descent paying job and to be able to make ends meet. I know it's your job to do what you have to do to ensure that these loans are paid back, but when it is obvious that my monthly student loan payments cost more than my rent then this should be a problem for you. Put yourself in my shoes. What if I were your son? Would it matter then?
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BMO Bank, N.A. (NY)

I have been with XXXX XXXX since 1998. I have always had good credit but chose to just use 1 card. I had some Fraud go on with my account to BMO removed my history and my credit score went way down. They have only bought XXXX XXXX in the last few years. I need BMO to correctly report the following which is the facts : I have had XXXX  XXXX since 1998 I have credit limit of {$15000.00} I have never missed a payment. 

Please reflect this correct information to the 3 credit agencies ASAP. 

XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, New York XXXX
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

I was gifted an AMEX SERVE card. Unbeknownst to me, I was charged a {$5.00} fee while the card lay idle. The card packaging clearly shows no fees in NY. NO where on the packaging does it say you have to call and register or activate the card first. In fact, the packages says no activation required. I attempted to recoup the {$80.00} from AMEX. I was denied. The AMEX SERVE team completely disregarded the packaging is misleading.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

For 2 weeks now I have had someone low my credit up from all these car places and other places. I didnt authorize any of this would like you to please get these items off my hard inquiry. By law they are to have a written statement of me approving them to check my credit but this is crazy and I am trying to get my credit straight to buy a home.
Consumer complaint received 2022-07-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Fresh Holdings Inc (KS)

Credit Fresh called HR Department trying to reach me and left a message with my employer 's VP of Human Resources that forwarded the voicemail to me. My employer now knows I have a debt collector trying to reach me at work and may have adverse effect on my continued employment with my current employer. I contacted the collector at XXXX ( XXXX ) XXXX and told them to never contact my employer or me at my work again yet they repeatedly continue to call.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 36 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

They are charging me for the membership but I cancelled that card one month ago. I called again but they want me to pay the fee and the interest XXXX to cancel the card. And they are charging me for one benefit of the card too. I have paid the bill to not get more interest with that card.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 



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 2022-10-21
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (GA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-06-15
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: AMERICAN EXPRESS COMPANY (MA)

credit card company agreed to delete the account from my credit report, but i have waited more than a year and is still not deleted. We agreed to do pay to delete so i don't know why is still shows on my account. 

I have disputed this issue with all credit credit bureau but nothing is solve.
Consumer complaint received 2020-01-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$1500.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- AUTO ACCOUNTS -- 3. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am refilling this complaint to TRANSUNION with file number XXXX for allowing fraudulent account and unauthorized inquiry on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account and unauthorized inquiry are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

XXXX card closed my account with out my A knowledge didn't even get me a letter or not this is not right at all I have not three of my account closed I will wish that you have them stop this it is not right at all also I feel if you pay your bills on time that should not be able to watch your credit report and then feel that I the right to close your account or even Lower the amount of or Balance it is not right at all I hope someone can please help me and put a stop to it. Thanks u Ms. XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (KS)

I'm unaware of this debit, I never had the opportunity to dispute this debt. I was never given the proper time too adress or assest this debt. If infact you belive you gave me the right notification, please send mw a copy of the certified letter with my Signature.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (DC)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the EOS CCA with a Balance of {$83.00} still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (PA)

Sometime in 2018 I reported a down line to XXXX in the back yard of the building I was at. The building had no power and I was not sure if the wire was live. In order to make the outage and service request they took my information and shortly after I received a letter in the mail with an erroneous electric bill. I called and told them the situation, which is that there was no electric bill in my name and that the information provided was only to put in the request because I thought it was dangerous. They told me they could not close the account because it was opened and had unpaid charges, which is not my issue. The person who opened the account was not authorized to do so and I have no idea what electricity they were claiming I used. The electric that was running to my area ( which I had found out was an illegal subsidy ) was not separate from the building 's main electric. There was never any electric bill there until I called to try to get help because there was no light and it happened shortly after a storm and I noticed a down wire. 
Completely fraudulent bill. They did not have any documentation to open the account and they refused to give proof of the electric service or close the account because I couldn't provide them with a lease, there was no lease. I was informed that in order to open the account they would have had to have a lease. 
I do not owe anything and the charges they sent to collections are now on my credit and affecting my score and ability to live and work. This company is completely fraudulent and should be shut down. I am taking them to court. I have been harassed, now punished, and had my credit blemished by their fraud.
Consumer complaint received 2019-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (PA)

In XX/XX/XXXX, I requested any type of assistance from my lender since I fell behind on my mortgage payments. I was told to apply for financial assistance through my lender. I was asked if I applied before for a re modification and I said that I have and even stressed that I was worried that I wouldn't be approved since I already applied/ was approved in the past. Never once did they say that per FHA guidelines you can not apply for assistance within 24 months. We began the process of gathering all financial information and sent our first set of financial documents on XXXX. Over the next 2 months we went back and forth with our lender over issues stating that they didn't receive certain documents or we didn't sent the correct documents, but every single time when we would call to ask if what we sent was correct we were told yes. we spoke to numerous employees and all had different answers. We wouldn't find out that our documents were incorrect or missing until we received a document in the mail stating our package was incomplete. NO phone calls or answers to our questions when we would call to make sure they received said documents. We were always told it takes " 5 business days to review, call back on such and such date '' We also could never get in touch with our case worker in charge of our file. Never responded to messages or calls. Our case was closed 3 times over this which resulted in having to send everything over again to reopen our case. On XXXX, we received a letter that our package was complete and under review. During this time of going back and forth over missing documents, our mortgage went from being 3 months behind to 6 months behind. On XXXX I received a phone call that our request was denied due to reapplying for assistance within the FHA 24 month guideline. Not once did they mention this in the very beginning or else I would never be in this situation of possible foreclosure, declaring bankruptcy, etc.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Repot Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 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. 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Bank Account # XXXX has violated my rights. 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 without my written instructions.