davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I usually and regularly carry a very high credit rating. I make sure I pay my bills on time, keep no balance on credit cards, and just take basic care to keep the rating high so I can get lower interest rates when applying for credit. Two things happened this month : 1 ) I paid a {$2500.00} deposit on my wedding hall  on my credit card and 2 ) The XXXX XXXX clerk in the store, inadvertently thought I wanted to apply for a credit card, when I only asked to check if my existing XXXXXXXX XXXX card was still active. Once I realized they were processing a new card, I asked them to stop. I do not want another card. But that inquiry had already gone through. I only knew this because I got a email from Experian stating that an inquiry was made. I logged onto my Experian account and saw they had DECREASED my credit rating by XXXX points for this activity.. This, despite the fact that I maintain a high XXXX XXXX XXXX credit rating on a regular basis. Now I have to put my new car shopping on hold until I pay off this month 's balance ( again, something I do every month ) so that I get a better rate when they look at my credit score. My complaint is why are these reporting agencies allowed to make substantial changes to our credit ratings for MICRO activity that does not take into account someone's overall financial history and status?? Average Americans who do the right thing on a regular basis are constantly being hammered by these reporting agencies and it affects us financially. I would like to know what, if anything the CFPB can do to rectify this very disturbing and frustrating situation? 

I think this a problem ANY conscientious CONSUMER has and wholeheartedly agree to having my complaint published, but please remove my personal information. Thank you.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am disputing misinformation on my credit reports for XXXX, Equifax, and XXXX. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have sent several dispute personal information update letters to all three credit bearues in the. The only address that is correct XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and phone number XXXX. I no longer work at XXXX as well.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

I received an email from " Truist Alerts '' informing me that my new Truist user ID is ready. It stares the account was created on XX/XX/22 at XXXX. 
It includes a number to call if I don't recognize the changes to the account. 
When I XXXX the bank/company, a completely different number is associated with the bank. 

I did not open any accounts with Truist.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights under section 15 U.S. Code 1681b that states- The creditor must have written instructions of the consumer to whom it relates to report any items on my credit report. 
This creditor does not have my written instruction or permission to report any items on my credit report furthermore I have no knowledge of this account and it belonging to me. I have sent letters requesting proof of this debt belonging to me and this agency refused to respond and provide the required documents according to the law.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XXXX of XXXX  for XXXX and XX/XX/2022 for Experian and XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

A company called Resurgent Debt Collector that I have never done business with ever. You have no right having a hold of my private information accordingly to 1974 privacy act I have a right to privacy. Please remove account immediately I owe nothing. Please provide me with a 1099c so I can report this on my taxes otherwise remove account immediately.
Consumer complaint received 2021-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I submitted to freedom mortgage on XXXX XXXX that we were approved for 10 % XXXX vets in the county that we reside in. I submitted all the paperwork to them to show that the XXXX vets was approved. I spoke with someone on XX/XX/XXXX to check on the status of the request. I was told that they have until XX/XX/XXXX to get the information. I did not hear anything back, so i called on XX/XX/XXXX. They started that they have the old information from XXXX and started that the tax assessor gave them the information from XXXX. When i applied i told them that the exemption was for the current year which is XXXX. The company closed my case and refused to get the corrected information from the tax department. Currently, they have our escrow amount at the wrong amount and is supposed to be XXXX less. Basically they are taking XXXX more than what they should be and is refusing to correct the issue. Then the supervisor asked me to get the information on their behalf which was the first time this was requested. I was previously told that they would get the amount from the tax assessor or send someone other there to get it. At this point, freedom mortgage is lying about my property taxes and refusing to get the correct information for the tax Assessor. Meanwhile they are taking XXXX more from us then is required. I really need help with this. We are being taken advantage of and rob by this mortgage company.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : AD ASTRA REC Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA XXXX PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXXXXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-02-18
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. (SC)

I've mailed Debt Validation -609 Letters to Transunion, XXXX, and XXXX dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX XXXX XXXX. In XXXX XXXX XXXXXXXX, my husband was killed XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for XXXX years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called Nelnet and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with XXXX XXXX XXXX  income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (CA)

I applied for credit and was informed the creditor used an Experian credit report to make a determination. I signed into Experian 's website and attempted to request a credit report several times over a couple days and each time received a message stating they were having difficulties and were unable to support my request. So, I called a few times and attempted to make the request using the phone menu which resulted in instructions on how to make a web request. I followed the instructions and got similar results - no report request submitted. I called again and the phone menu choices offer no means of other support.
Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC (NC)

I have crypto wallet in the website EtoroXXXX, The login email handle is from my university that i recently XXXX. The university disabled my email, and refuses to activate it and allow me to access the account due to a new policy change. I have also contacted Etoro, who refused to give me access. I am unsure how else i can proceed with this. I have my username, and password. But the Etoro.com requires access and verification to this specific email. 
The university is XXXX XXXX XXXX XXXX at XXXX. 
The head of the XXXX XXXX department is XXXX XXXX XXXX and her email is XXXX. 
XXXX.
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: Experian Information Solutions Inc. (CA)

I have requested an investigation on my credit report from the XXXX, XXXX and EXPERIAN regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (UT)

Barclay bank has a credit card named XXXX. 

I have this card probably more than 10 years. 

in XXXX they sent me a promotion letter with blank checks. I wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced. Called Barclay, was told the check only can be used to pay other credit card. Checked the checks I received, it says deposit into any bank account or used in any way as a check. 

Called several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center was able to leave a note in my account that I called. I believe it is XX/XX/2021. 

Late on I was able to use the checks to make two balance transfers to my bank account. Therefore those checks are only good for other credit cards is not true.

Then the Barclay bank didn't send me my May 2021 monthly statement and got a call today that my account is over due. Able to pay the monthly payment by calling them.

Now let us talk about the damages by Barclays Bank 1. There is a check bouncing fee charged by XXXXXXXX XXXX that is {$12.00} on XX/XX/2021 2. Because they didn't send me the statement, they charged me a late payment fee {$29.00} on XX/XX/2021.

3. total {$41.00} so far.

4. There is very possible more damages will come in the future.

I have with Barclays for more than 10 years, I have never been late with their payments!
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

I engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( " the vendor '' ) to fix a leak in my house. The vendor sent a plumber to my house on XXXX and I was charged a total amount of {$470.00}. I paid the amount using my Chase credit card. 

However, after the plumber left, I realized to my dismay that he had vastly and fraudulently overstated the duration he worked at my home, and that he had overcharged for simple plumbing parts by as much as 5 times. 

I promptly contacted XXXX XXXX on the same day via email to dispute the bill and demanded a refund of {$200.00}, but they only offered me a 10 % " XXXX  reimbursement '', which was not acceptable to me. 

I opened a dispute with the credit card issuer but they did not investigate the issue to my satisfaction and declined to reverse the charge.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

I applied for consolidation of my PLUS loans. I got a letter on  XXXX   XXXX ,    2017  stating the new monthly payment would be {$160.00} On  XXXX   XXXX ,  2017  I then got a statement saying the monthly payment was {$220.00}.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2019-06-13
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. (NY)

The following accounts have been disputed on these dates : XXXX-19, XXXX-19,XXXX-19 for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, Equifax , 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 XXXX XXXX # XXXX XXXX XXXX # XXXX