davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc. (UT)

I enrolled in XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. I started the class and after one week I withdrew from the program after badly failing their mandatory tests. Their boot camp is setup so that students can not complete the material in the time frame requested and most students fail or drop out with nothing to show for their effort. I notified the XXXX XXXX XXXX XXXX, my academic adviser, and the student loan company/Climb Credit that I was withdrawing and to cancel my loan. Climb credit emailed me back and told be that my loan was funding the next day and that I would have to get a refund from the school. I called my academic adviser/XXXX XXXX XXXX who told me to call XXXX XXXX who enrolled me with XXXX XXXX XXXX XXXXXXXX XXXX and he thought I had a withdrawal window to get out of the class.

Every time I spoke with XXXX he did not give me any options except to continue their program and continually lied telling me he would speak with his superiors as it was not his decision and that he would call me back. XXXX  never called me back or gave me any options to withdraw or make a partial payment. I called XXXX a week later after our last conversation and he kept giving me the same story and told me someone would call me. This has not happened.

Since then I enrolled in a local XXXX XXXX/XXXX and spoke with several IT professionals who confirmed my fears=that the 20 hour time frame XXXX XXXX XXXX XXXX/XXXX XXXX gives their students to pass XXXX XXXX  certification was impossible unless I already knew the material. The community college and other schools in my area give their students 280-300 hours to be able to learn and pass the XXXX XXXX  certification.

I knew I was in real trouble after my own academic adviser/XXXX told me not to be surprised that at the end of the course if not many of the enrolled students would not be around and most would drop out. The other issue is that they are not offering me any type of refund or partial payment options and are trying to stick me with the whole loan for {$7000.00}. XXXX/XXXX XXXX XXXX XXXX where I am now enrolled for the XXXX XXXX told me that if I do not complete 20 % of their program they would issue me a complete tuition refund. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX told me they could only charge me for the portion of the program I completed if I withdrew early for any reason.

XXXX XXXX XXXX XXXX/XXXX XXXX is setting their students up to fail and roping them into {$7000.00} loans with Climb Credit with no option to withdraw or pay for the portion of the class that they did complete. Climb Credit is just as bad and refuses any options or relief from their " Student/Personal Loans. '' This is unreasonable and predatory lending practices at best if it is not straight up illegal.

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-08
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. (MO)

XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX  insurance claim and refund of the several prepaid years of the insurance policy.
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (PA)

XXXX is billing me for false charges.in XX/XX/2022 I moved and contacted XXXX They told me they do not provide service to my new address. Therefore upon moving I paid my last cable bill and turned in all equipment.when I turned in equipment XXXX office told me I was paid up and account was good. Sometime later XXXX mails me letter saying because I terminated service I owe them a fee for cancellation. It was never informed there would be a fee for ending service. Additionally as I mentioned they could not provide me service in new location or I would have continued service.also this is not fair that they can send their false charges to a collection agency and because they say so it appears on my credit report and effects my credit. Where are my rights. XXXX can bully customers and are determined believable and a good customer like my self appears to have no rights and credit bureau just assumes XXXX is right and I am wrong.I thought you are innocent until proven guilty.what have they proved.they can send a bill and customers are expected to pay without any rights to disagree. Please review and provide a response
Consumer complaint received 2022-05-03
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. (OH)

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXXXXXX XXXX XXXX XXXXXXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX CT XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled 20 different ways on there its only one way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021 on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Consumer complaint received 2023-01-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (FL)

My studen loan service provider switched from Edfinancial to XXXX sometime after XX/XX/XXXX. On XX/XX/XXXX, XXXX reported my loan amount ( {$150000.00} ) to the credit bureaus, which caused a XXXX point drop in my credit score. Edfinancial reported my loans in XX/XX/XXXX, however, the account still appears as " open '' for the full {$150000.00} and is thus reflected twice on my credit report, causing a significant impact to my credit acore. I called Edfinancial in late-XXXX  XXXX and was told by a representative that my loan was not reported to the credit bureaus in XXXX. The representative could not tell me why Edfinancial 's reporting still appeared on my credit report nor when I could expect to see the situation fixed.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

The cancellation of this booking WAS completed within the cancellation window and in accordance with the merchants cancellation policy and should have resulted in a full refund. As proof of this, we attach emails from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX confirming that our cancellation of reservation for travel on XX/XX/XXXX was received and that a full refund in the amount of {$3200.00} would be processed back to our MasterCard ending in XXXX within 60-90 days. 

Here is a timeline of pertinent dates for clarification : XX/XX/XXXX Booking made and reservation fee of {$3200.00} charged. 
XX/XX/XXXX Booking cancelled well within the merchants cancellation window. 
Call to Barclay made XX/XX/XXXX, cancellation number XXXX, via online and phone call. I was told at this time that it takes 60 to 90  days to process the cancellation, which would be XX/XX/XXXX at the latest. 
Calls made to XXXX several times during this period, including Attempts to work out with XXXX via phone calls : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX 60-90 day refund timeline elapsed. Dispute opened with Barclay and sent via email and phone call. 
XX/XX/XXXX Another Dispute opened with Barclay. 
XX/XX/XXXX Another email from merchant confirming refund is due. 
XX/XX/XXXX. Several calls XX/XX/XXXX 60-90 day refund time elapsed. Call again to Barclay. They indicated denial to provide refund because  they claim we did not contest the original charge in XX/XX/XXXX within 90 days. This was only done after a three way call to XXXX where XXXX affirmed we are entitled to a refund but that accounting was taking time due to the pandemic. 
XX/XX/XXXX XXXX confirms it will process the refund & seeks verification of the credit card. Confirmation made online and call to confirm received confirmation. 
XX/XX/XXXX. Email confirmation from XXXX that I should receive the refund with my credit card within 3-5 business days. 
XX/XX/XXXX. Call to Barclay seeking to confirmation of attempt by  XXXX to refund. 
Barclay claimed no attempts were made. I asked for assistance. They said it may take up to 15 days and I should wait to file another dispute. I told them I did not want to wait that long because we had relied on their prior statements to wait on filing a dispute and then was told we could not get a refund because we waited to file a dispute. Filed another dispute.
Consumer complaint received 2022-08-17
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-03
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: Nelnet, Inc. (GA)

please remove i have letters and emails attached that show no proof of me attending the school that is all rolled up into my student loans - my XXXX report stated that i agreed in writing that it was removed in error and i never agreed to any sort of thing i need proof of this what is showing in writing
Consumer complaint received 2022-05-03
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, and Dept of EDXXXX XXXX # XXXX has violated my rights. 

XXXX XXXX.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.
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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. (AR)

I am submitting, once again, this CFPB Complaint to request to you to correct the information you report on the following account. When I checked my credit record, the previously disputed erroneous accounts are still reporting inaccurracies on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
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 2019-08-26
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. (MA)

I have been trying to resolve unknown account and I can not find a resolving factor overwhelmed with dealing with identity theft, fraudulent and data breach..Help me delete old unknown incorrect information so I can have a chance at the American dream of home ownership or business ownership.
Consumer complaint received 2019-08-26
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. (CA)

After reviewing my credit report I realized there were several inquiries that I did not recognize/authorize. Some of those were from unknown sources and some from motor corporations and dealer services. I did not make those inquiries and did not even know about most of them.
Consumer complaint received 2019-08-26
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. (MO)

After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX   {$680.00} 6 ] XXXX {$71.00} 7 ] Credit Factor CH-XXXX
Consumer complaint received 2021-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I got these accounts that does not belong to me and i want it to be remove from the three credit report agencies. 

1. Identity Theft BANKAMERICA Account XXXX : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-03-30
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: Westcreek Financial (NY)

After paying off the balance owed on an account, the company " West Creek Financial '' reported that the account was paid in full and closed the account with full knowledge that closing an account negatively impacts a person 's score. I have spoke with this company several times to request that they could simply report that the account is paid in full. I also informed this company that they target low income communities and minorities to offer their services to then turn around and destroy their credit. People in low income communities are already struggling, and at no time did the store I purchased the items from nor was I made aware on my receipt that once the account is paid in full the account would be reported as closed. It is very mis-leading and this company has numerous complaints on file with the XXXX  and they should not be allowed to offer services under false leads. I would like this company to remove that the account is closed from my report.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information synchory bank XXXX XXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX PL 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 OH, XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled 20 different ways on there its only one way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021  on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Consumer complaint received 2022-11-19
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. (PA)

The Credit Bureaus never did the proper " investigation '' according to the FCRA The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more in accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also violated the law because according to 15 u.s.c 1681 section 602 A. States i have the right to privacy and 15 u.s.c 1681 section 604 A Section 2 states a agency can not furnish without my instructions. I didnt give nobody written instuctions.