davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (NV)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX CRED ( Original XXXX XXXX XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-23
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)

NELNET HAS FAILED TO PROVIDE ME WITH THE ORIGINAL INSTRUMENT OF INDEPTEDNESS IN ITS ORIGINAL FORM. IT IS REPORTING TO ALL CREDIT REPORTING AGENCIES FALSELY. I HAVE ASKED NELNET ON SEVERAL OCCASIONS TO PROVIDE THE PROPER DOCUMENTS. HOWEVER THEY FAILED TO DO SO. THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT AND THEY ARE ALSO IN VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. IT IS CLEAR THAT THIS DEBT IS NOT MINE, AND IT HAS PREVENTED ME FROM OBTAINING CREDIT.
Consumer complaint received 2019-07-23
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: Transfinancial Companies, Inc (LA)

UponpullingmycreditreportsIfoundthatTransfinancialhadplacedtwoaccountsintheamountsof{$940.00}and{$330.00}onmycreditreports.IthendisputedthisinformationwiththecreditbureausasIbelievedtheinformationwasinaccurateandwasnotavalidaccount.Despiteseveralattemptstovalidatetheaccountthecompanydidnotvalidatetheaccount.Ithenhadtofileacomplaintforthemtosendvalidationoftheaccount.UponreceivingthevalidationoftheaccountsInoticedthatthecompanyhadviolatedmyHIPAArights.Ithenagaindisputedtheinformationwhichwentunanswered.IhavefiledapreviouscomplaintonXX/XX/2019towhichthecompanyrespondedonXX/XX/2019thatIwouldbereceivingaresponsein30days.Ihavenotreceivedanyresponsefrom.thecompanyasofyet.ThecompanyisreportinginformationwhichisviolatingmyHIPAArightsandhinderingmyprogressionforbettercredithealth.Iwouldliketheseaccountstoberemovedimmediatelyfromallthreemajorcreditbureaus.
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (TX)

I was involved in equifax security breach of XXXX. 

My equifax credit report has not updated since XXXX of XXXX. When I pull my credit report online I have history all the way up to XXXX of XXXX. Starting in XX/XX/XXXX until current date, all of my report information is showing to be cleared and lost. I have no report information, several lenders I have used have not been able to find my equifax credit report and its affecting me financially. 

I would like Equifax to correct their problem and update my report to reflect my current credit information. 

I have made several attempts to email Equifax customer service on this matter as well as several phone calls. They try to assure me that there are no issues when I can login to their website and all reports after XX/XX/XXXX show absolutely no information at all. 

Please help
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-07-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I contacted the collection agency XXXX XXXX on XX/XX/2021 in attempt to resolve my debt from my old apartment and was disrespected by the agent. I paid {$500.00} towards by balance which was suppose to be for {$1400.00}. I explained I was behind with everything due to a recent loss in my family and me not working for almost a whole year due to COVID. The operator/agent responded to me saying well I should have taken care of my responsibilities and said if I didnt pay there would be consequences if the balance was not paid by the end of the month. Im taking steps to cover my debt I owe while also being talked to like Im nothing .. Despite the set back I was having I called and paid what I could and advised I would follow up in about a month in attempt to put more money towards my balance. However, I was unable to pay the remaining balance of {$910.00} due to unforeseen circumstances. I then receive a debt collection on my report XX/XX/2021 stating I owed {$2400.00}. This is unacceptable for me to pay the company and they act like they never received the money and they added charges. They received emails confirming the right amount which I have documents of and proof of the last payment on XX/XX/XXXX.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had fraudulent activity happen with my Bank of America account I was awarded XXXX $ for the fraud and they took the money back on XX/XX/2021. I have written a Rebuttal letter presenting my case.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (IL)

I signed up for a Chase Freedom Unlimited credit card yesterday which offered a free balance transfer. I was approved, but my balance transfer was declined due to the transfer balance being from an existing Chase Sapphire Reserved credit card. Chase will not allow balance transfers from existing accounts with them. However, this is not stated anywhere on the application for the Chase Freedom Unlimited card. If I had known, I would not have applied for this card. I have canceled the card, but now I have a hard inquiry and closed account on my credit history.
Consumer complaint received 2019-07-23
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: EQUIFAX, INC. (AZ)

I disputed a couple items on my Equifax report on XX/XX/2019. I disputed a violation on a XXXX XXXX account where a charge off is listed with a balance owed. ( see attachment ) which is a violation. When charged off the balance needs to be listed as zero. Equifax was showing a balance due. I disputed it. They affirmed it was correct - a direct violation. I also disputed XXXX reporting a balance owed on a charged off account. This is also not allowed. As you can see from the letter sent to them these are the only violations I sent. However, I received a letter from my OPEN XXXX  XXXX account that says I disputed their reporting which could have jeopardized my account with them and I NEVER EVER disputed this account. So why in the world would Equifax send them a notice I disputed the account when I didnt? WHAT THE HECK??? Equifax in in violation and lying about my disputes by sending a statement of dispute to XXXX XXXX. When I called XXXX XXXX, they affirmed that the attached letter of XXXX XXXX, and XXXX were the only accounts disputed and the Equifax falsified a statement that I disputed my account with XXXX XXXX. Since they have no stake in this matter I called Equifax 2 times and asked to discuss this. They stated call back in 30 minutes both times as their " system was updating ''. I waited 90 minutes between calls as evidenced in attached files. These 3 issues are a total violation of my rights. I have documentation on all of this, and its attached. The only acceptable solution is a statement that they are wrong for stating that I claimed their was a dispute on my XXXX XXXX account as well as to make sure there are no statments on that account stating disputed. Furthermore both the XXXX XXXX Account and the XXXX account that they verified as accurately reporting that are not to be immediately deleted as per the FCRA. I want all this managed immediately. There is no other acceptable solution, however a lawsuit is also a possibility since Equifax has commited 3 violations against me and is harming my reputation with current and future creditors based on their poor business practices. I have disputed XXXX XXXX and XXXX several times and Equifax has failed to acutally do an investigation and prove that their reorting is accurate. They are still reporting inaccurate information.
Consumer complaint received 2021-07-23
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. (KS)

I have been trying to get a hold of the credit bureaus since XXXX regarding all of these issues i see on my credit profile. There are a ton of inaccuracies, duplicate accounts and just wrong information on my report that is really making me stressed out and absolutely destroying my credit. It's so bad that it is affecting me mentally because im paying so much high interest that it's hard to provide for my family. Even with all the inaccuracies on my report they still wont fix it or tell me any information about whats going on. I also think this is a violation of my privacy since i am a consumer and i entered into a consumer transaction but i was never given the option to opt out of reporting or they never gave me any information on a finance charge. Even when i requested it from the companies i'm still left in the dark here. Even with all of this i am a victim of the Equifax and XXXX  data breach. And also i am in a student loan rehabilitation program with the CARES ACT. I need them to remove the accounts that are on the attachment asap. It has been almost 60 days i think that's more than enough time for the bureaus remove this false reporting without my written permission.
Consumer complaint received 2019-07-23
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. (FL)

I have been in dispute with XXXX XXXX for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by XXXX XXXX I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the XXXX XXXX Fraud Department. XXXX XXXX has also listed me in the XXXX XXXX  under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my check system report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the XXXX XXXX. I will never do business with XXXX XXXX or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to XXXX XXXX. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Equifax are refusing to remove the following even after being provided with documents from the companies who never had authorization. 

The following inquiries are unauthorized : Creditor : XXXX XXXX ( XXXX ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX Creditor : XXXX XXXX : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX Creditor : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX spoke with the following Supervisor name XXXX ID XXXX who informed me they will never verify or remove this and i can do all i want. 

Another Manager by the name XXXX with employee ID XXXX in their consumer affairs department also told me they will not do anything and disconnected the call.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

Greentree servicing called all times of the day and night harassing me re : payment. They sent a representive of theirs to my home. I was threatened if I do not get someone to send a payment immediately by wire transfer my son and I will be put out of the doublewide.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A. (MI)

Earlier this year, in the spring time, I believe in XXXX, I was informed that my PNC Credit Card ending in the numbers XXXX was past due. This was odd, as I always pay my bills when I receive them. I immediately paid the amount past due. I couldn't find the bill. I receive paper bills and pay them with checks via regular mail. I know I am archaic, but that's just the way I do things and it's within my rights. After being unable to find said bill, I just assumed I had lost it or my mail person misplaced it, although I remained suspicious. I continued to place all my credit card bills in the same spot and keep a very close eye on them. 

This past week, on Friday, XX/XX/XXXX, I was contacted via telephone and informed that my payment was past due on the same credit card, ending in XXXX. This time, I knew I never received the bill. I have three other PNC credit cards and had received the bill for each of those three. Just not the one ending in XXXX. I paid the amount past due over the phone. 

After confirming I had never received a bill in the mail, I decided to file this complaint. I am concerned PNC is purposely doing this to either collect late fees or coerce me into setting up automatic payment from my checking account. They won in the last matter, I did set up automatic payment so this does not happen again. 

At this point, all I want is for PNC to remove any negative hits on my credit report from these two alleged late payments. I am fine with them keeping the late fees, they can have them. I just want these negative events off my credit score because I am not at fault for them because I never received my bill.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (KY)

On XXXX XXXX XXXX  I contacted Bank Mobile XXXX about some transactions from merchants that I never received my orders. The merchants told me that I would need to file a dispute with my bank. I filed a dispute with my bank, and it's almost been 60 days without any credit back. Also, every time I try to use my debit card at any atm it says there's an issue with my debit card, to contact my bank. I have brought this up to my bank as it is frustrating. Even though the atm said the transaction couldn't be completed it was still deducted from my balance, but no money came out of the ATM. I had to file a dispute for that as well and I am still waiting to hear back from Bank Mobile.
Consumer complaint received 2020-06-07
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. (NV)

XXXX  froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. XXXX  GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined XXXX  XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! Thank you!
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

We bought our used XXXX XXXX in XX/XX/XXXX. The car price was {$17000.00} with an interest rate of 26.29 % making our full loan amount {$34000.00}. Weve been paying on the car since XXXX and have paid in car payments a total of {$31000.00} since XXXX. Thats not even counting the {$10.00} fees and other fees they tacked on. We recently went to trade the XXXX in thinking since our payoff date is XX/XX/XXXX that there only being 11months left on the loan that we only owed a little over {$5000.00}. When they pulled our credit Santander Consumer has only reported the car amount of {$17000.00} and that the balance was down to {$14000.00} something making it look like over 6 years me and my husband have only made little over {$2000.00} worth of payments. They are telling us the payoff for the car is almost {$15000.00} even though weve been paying for 6years and have already paid {$31000.00} of the loan. The dealership manager told us they were in violation and for us not to put anymore $ towards the car so we opted to have them come and get the vehicle And then pursue what we needed to get this fixed. But were not going to put anymore money into a loan where we were being scammed. Heres a link to some of the complaints concerning the same things that theyve done to other customers. https : XXXX
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (PA)

Continued calls - spoke to them once and they could not give me the proper information. I explained I had settled all this before and they said there are now late fees and interest and if I agreed to pay today it would be settled. Scare tactics to get money from people.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2019-07-23
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)

In XX/XX/2006 I was a victim of phishing scam. Someone stole my identity, hacked my banking info, and opened up accounts in my name. I received a email from my bank instructing me to update my personal information because their system was compromised but it actually was a fraudulent email. I entered all of my personal info to update my account. A couple hours later money was missing from my bank account and days later credit cards were opened in my name and etc.