davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I have contacted Equifax and XXXX multiple times to request the removal of several inaccurate accounts and collections that are being reported on my credit report. These accounts either do not belong to me or contain incorrect information. Despite my efforts, the following accounts and collections remain on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Actions Taken : I initially contacted Equifax and XXXX to dispute these accounts and collections, explaining that they are either not mine or contain errors.I followed up but have not received any resolution. Despite my repeated disputes, these inaccurate accounts and collections remain on my credit report, negatively impacting my credit score. 


Current Status : As of XX/XX/XXXX, these incorrect accounts and collections are still being reported on my credit report. I am seeking assistance in having these inaccuracies removed and my credit report corrected.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and have collection accounts and credit inquiry that is fraudulent, unauthorized and do n't belong to me. The following collection accounts and credit inquiry do n't belong to me : XXXX, XXXX/XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX
Consumer complaint received 2023-04-18
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. (CA)

This complaint will serve as a follow-up to my previous complaint dated XX/XX/XXXX. 
The complaint stated that you must block/remove these items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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)

In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  Phone Number : ( XXXX ) XXXX Acct # XXXX
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " Equifax '' and " XXXX '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " XXXX '' and " Equifax '' are indicating the account is a charge off which is affecting my credit rating. I would like Equifax to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (CA)

I was closing out my loan and I had to close later than schedule because of my wire transfer not coming in on time as of XX/XX/XXXX. So, I was already stressed out. On XX/XX/XXXX, I receive a phone call from XXXX XXXX stating that I never submitted docs for XXXX XXXX. However, I submitted the bank account activity in XX/XX/XXXX. XXXX admitted in her e-mail that she assumed that I was going to use my XXXX account because I had enough funds. But, the thing is I had more funds in my XXXX account. Why would she not assume that the funds would come from XXXX account? So, now, I had to drop everything to close on XX/XX/XXXX. I was faxing documents to XXXX like crazy, even into my lunch break! XXXX didn't even know that I had two accounts with XXXX XXXX. One account was closed. She didn't even know that and was asking for statement on the closed account when there was another account that was opened. I had to tell her that! She just asked for all the documents even the ones that I already submitted in XX/XX/XXXX! When I told her that I already submitted that she responded in her e-mail, " Okay, maybe we don't need that. '' She was asking for documents that I submitted in XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX! It was terrible working with her! 
So, I contacted the cooperate office and XXXX XXXX responded. She said she was going to do an investigation. She e-mailed me saying that she was concluding that I closed on XX/XX/XXXX because my wire transfer did not come in on time. However, I did not make a statement that I closed on XX/XX/XXXX because of XXXX. I was talking about XXXX being unorganized that she caused me more unnecessary stress. Secondly, granted that my wire transfer came in late, however, had I not dropped everything and jump on it to fax everything over to XXXX, I would not have been able to close even on XX/XX/XXXX either. Also, why does my wire transfer coming in late have anything to do with XXXX not being on top of her job and asking for documents that I submitted nine months ago? I believe had XXXX done her investigation properly, she should have known that XXXX only received the docs on XX/XX/XXXX which continued into my lunch break ; and she would have found out that XXXX did not have my XXXX XXXX   information which means, even if my wire transfer happened on XX/XX/XXXX, I still had to go through this process! How does XXXX not being able to provide proper customer service because she was not on top of her job have anything to do with my wire transfer not coming in on time? I would never want to work with Fiance of America Mortgage.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MS)

The first of XXXX I took out a loan with Bright Lending for XXXX dollars. I was unaware that they are a tribal lender, I was also unaware that they charge interest rates over the usury limits in Alabama. My loans APY is 599 %. In order to pay off the loan Id end up paying almost XXXX dollars because they charge you your scheduled installment plus the payoff amount and interest. I was unaware that they are not licensed to lend in any state. I checked to see if they are licensed in Alabama and they are not. Per law I only owe the principal amount lended to me. I feel deceived by this company. I believe they are committing fraud. They want to XXXX my dry with sky high interest rates.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

In XXXX, I began having to make my full student loan payments back to Navient. I had taken out XXXX loans through Navient XXXX formerly XXXX ) for school, one of which has been paid off. My monthly payment to Navient is {$460.00}. At the beginning of my repayments I asked Navient employees what my options were for lowering my monthly payment, as I did not have a full time job at the time ( and not until the end of XXXX ) and could not afford to make my payments. I was told I could not defer any of my loans as I was no longer a student, and my only option was forbearance - which meant paying $ 50/loan upfront ( {$150.00} in my case ), allowing you to have a monthly payment of {$0.00} for the next three months. So, my only option to " lower my monthly payment '' was to pay {$150.00} ; I needed the money to live and pay other bills. Navient also informed me you could only do this " forbearance '' for one year. So now to " lower my monthly payment '' for only one year, would still cost me {$600.00}. And once the year is up, the payment goes back up and I am back to square one. I am more than willing to pay back the loans but can not afford what I am paying currently. Navient has the worst customer service of ANY business I have ever dealt with in my life. They are unwilling to help and refuse to do so. I have constantly made calls over the past XXXX years telling them I can not afford these payments and that they are outrageous. I pay less money for rent ; that is appalling. I deter anyone I can from applying for loans with Navient. They have the worst service, hassle borrowers with phone calls when payments are late ( more than one call a day ), and do not give any options of fair repayment plans.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

On Friday, XX/XX/XXXX, I sent money to my sister in XXXX ( {$500.00} ) dollars, for my Mom 's monthly expenses in XXXX, through the Remitly app. There is the option of an express delivery which is done so that you can withdraw the same day pay that rate. the money was deducted from my credit card, and has not been sent to my family in XXXX. On Monday, XX/XX/XXXX, I contacted Remitly and an agent named XXXX told me that the operations were delayed for the weekend and that at the end of the day it was done. 
That same day I communicated again with a service agent called XXXX who told me that the money was already in the bank in XXXX and that at the end of the day it was done. My sister contacted a person from the Bank in XXXX and told her that the money was there and that it would be made cash on Tuesday. 
On Tuesday it was not made effective, we contacted the Bank in XXXX again and this time they told us that the money was not there, it was for a system update, that it was a Remitly error, I contacted Remitly again, they apologized and that They offered to change the payment method to withdraw by window, it was supposedly done between 2 to 4 hours 24 hours have passed and the money has still not been sent to XXXX, today, Wednesday, I call again and they tell me an agent named XXXX, who sent an email and that the system must be updated, in conclusion, 6 days have passed, the money does not appear, it was deducted of my card, and my family in XXXX does not have it yet.
Consumer complaint received 2022-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (SC)

I had private student loans with XXXX XXXX that were sold and transferred to Firstmark ( a Division of Nelnet around XXXX of XXXX. I am currently in XXXX XXXX, and some of my private student loans from my XXXX college loans had run out of standard forbearance time while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data from XXXX XXXX XXXX. I was last approved for this in late XXXX XX/XX/XXXX with XXXX  data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX XXXX message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website XXXX XXXX XXXX XXXX XXXX as well. My loans have been NOT been consolidated, refinanced, or otherwise modified with Firstmark, so XXXXXXXX XXXX terms should still be in place. By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left I know this, its why I had a hardship forbearance to begin with. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, and that they should have all of this on file, I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They refuse to look into the original terms of my loan and keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue ( or even contact me! ) and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.
Consumer complaint received 2023-04-18
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WV)

Chime / XXXX XXXX.A fraudulent charge of {$100.00} from XXXX in Arkansas was charged to my checking account on XX/XX/2022. I live in WV. The notification came up on my mobile device, I immediately cancelled my debit card because I didn't make that transaction. I called chime to file dispute, they informed me it was pending and I couldn't file a dispute until it was no longer pending. XX/XX/2022, the charge was no longer pending so I called to file a dispute. Less than 10 minutes after I filed the dispute I got an email stating that my dispute was denied that I did not provide enough proof that it was not me that made the transition. I called chime services again and spoke to a manager who stated that she would have me provided the reason why it was declined and was going to reopen the claim. Again less than 10 minutes later I received another email stating again that my claim was denied due to me not providing enough information that it was not me. I have stated that it is fraud and yet chime is refusing to reopen my claim.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you DELETE the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had XXXX fraudulent charges on my Bank of America Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX were for XXXX, XXXX for XXXX. I contacted Bank of America to have these removed from my account on XX/XX/XXXX. They said they would remove them from my account, but I was unhappy with the customer service and canceled my credit card with them. I paid the remainder of my account balance, but Bank of America continued to bill me for the fraudulent charges. They started adding late fees to the balance as well as charging interest on the fraudulent charges. My balance should be XXXX. Product_Or_Service : Credit Card Visa Account_Number : XXXX
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

I initially applied for an AMEX XXXX XXXX Gold back in XX/XX/XXXX. The offer was cancelled according to Amex because I changed to an AMEX XXXXXXXX XXXX When I made the change back in XX/XX/XXXX over the phone the Rep. did not advise me that I was going to lose my credit card offer and there was no offer with the XXXX card. I had asked Amex to pull the call and listen to the conversation. They have not done so and have dismissed all of my inquiries into the matter since XX/XX/XXXX. During this period, I opened a personal Amex XXXX gold and when I filled the application on their website, I was told that I would not be eligible for the offer because I already had the offer in the business card. This of course did not make sense because they are two separate cards ( one business and one personal ). Now Amex is contending that I did not receive the offer on my personal card because of the business. However, a month ago after multiple calls an Amex Rep told me that I lost business card offer because I changed from business gold to platinum. If I lost the offer on the business side, why I am not eligible to get it on my personal card? I called again XX/XX/XXXX and was told by another Rep. that they are still investigating the matter. When I asked why is taking months from my first inquiry, she was not able to respond and disconnected the call. I need assistance to get to the bottom of the bait and switch tactics that Amex is employing with their credit cards.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 section 602 a. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it states, a consumer reporting agency, can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 the records of convictions of crimes, which antidote the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (VA)

XXXX XXXX Purchased a {$300.00} NETSPEND XXXX  Debit Card at XXXX XXXX in XXXX XXXX XXXX, XXXX, VA XXXX for my Grandson ( who is XXXX  XXXX ) I thought I was purchasing a gift card. 
XXXX  - we can not get the card activated- we have called and called but nothing works XXXX - current XXXX will not go to a live person nor can we get prompts to work XXXX calls will not be answered or if they are you are routed to another automatic response. I got a " Live '' person at this number by the name XXXX - I asked to speak to his Supervisor - he put me on hold ( dead line ) held on for several minutes but it seemed to be a dead line. 

We have spent about 2 hours today trying to get this card activated so we can get the {$300.00}.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IA)

I recently reviewed a copy of my transition, Equifax and XXXX credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing Equifax and XXXX XXXX XXXX and requested for them to remove These in accurate heart inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX XXXX, Unauthorized inquiries from experience, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, hard on authorize increase from equifax- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX