davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. 

I am asking for your assisstance to remove these fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NY)

I am XXXX and looking to get my student loan forgiven and I want to repair my credit. NelNet is no help in accommodating my request. I have faxed over the necessary paper work. Everytime I call they always have a wrong address for me from 7 years ago. Thats 7 years of interest thats accumulated. They said they will send a response to the previous address with their decision even though I updated my address in the NelNet website. Help.
Consumer complaint received 2024-03-09
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: TD BANK US HOLDING COMPANY (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity Theft and have submitted all proper documentation required by Experian in order to prove my case. Police Report, FTC Identity Theft Report, Legal Notice and personal ID and according to the Fair and Accurate Transaction Act of XX/XX/2003 requires that bureaus block and delete any information that was the result of Identity Theft FACT section XXXX FCRA Section XXXX. Furthermore, in XXXX ( My home State ) If you are a victim of Identity theft ( as defined in section XXXX of the XXXX ) section XXXX of the california XXXX XXXX gives you the right to BLOCK reporting by consumer reporting agencies of information that appears in your credit report as a result of the Identity Theft. So please comply and remove those fraudlent accounts immediately listed in the FTC ID Theft Report enclosed.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CO)

I am disputing a XXXX day charge that was on my credit report from Chase. I received a courtesy call from Chase 's customer support team on XX/XX/XXXX at which time I made an over the phone payment of {$270.00}. The customer support individual than proceeded to tell me that I would not receive a late notice on my credit report. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, to much to my aggravation a late notice was placed on my credit report and the auto pay program was never setup for my credit card account. 

On XXXX different occasions I called Chase customer service to see if we could resolve this late payment notice problem and I requested the support individual to pull up the call from XXXX XXXX to prove that this conversation had indeed occurred. I was then informed that they were unable to find that specific call which then I was transferred to another department and they proceeded to tell me the same thing and transfer me again to another department. Each department that I spoke with were unable to resolve removing the late payment notice on my report or find the original call from XX/XX/XXXX and each representative told me a manager would call me back about this issue but I never received a call from anyone. 

I send a letter to Chase 's Executive Office on XX/XX/XXXX and received a letter back dated XX/XX/XXXX which did not address any of my concerns. I call XXXX XXXX, the Executive Office rep, and never got a call back. I called again and finally reached XXXX XXXX and she looked into everything and was unable to find the call from XX/XX/XXXX and said that Chase does not feel that this is a bank error.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (FL)

Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX  XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (TX)

I obtained a loan from Security finance. I have received repeated calls in regard to collecting the debt which is fine. However, they are calling me back-to-back. On XX/XX/XXXX they called at XXXX and again at XXXX. on XX/XX/XXXX they called at XXXX and XXXX. I believe that is a form of harassment. I also have repeated calls on several other dates. Since I have not responded they skip traced and called someone that I did not use as a reference and left a message using the words desperately and imperative giving a sense of emergency that I reach them today. They spoke to an elderly person stressing them out. I did not give them permission to call anyone else other than the references on my initial application.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NM)

I work for XXXX XXXX XXXX, AZ but lived in XXXX, AZ. We were Furloughed in XX/XX/XXXX and lost wages as a result. Fell behind on a lot of bills, including one for Santander. I tried, but it seemed that the payments never made a dent in the loan to include the late payments. It got so bad that that they threatened to take away the vehicle, a XXXX Ford Ranger. So I voluntarily surrendered the vehicle. I was at work when my wife called to report Santander picked up the vehicle. That day was XXXX XXXX, XXXX. I later learned, from my XXXX XXXX, that a claim was made against the vehicle. I explained to XXXX that the vehicle was surrendered back to the Lender and the conversation ended there. Upon renewing my Insurance with Progressive XXXX XXXX, XXXX, XXXX reported that their quoted rate of {$560.00} has changed to {$700.00} plus dollars because of a No-Fault Accident that I was involved on XXXX/XXXX/XXXX. This is impossible as I was at work at the time of the questioned incident. I paid the difference for the insurance. XXXX gave me a toll-free number, XXXX, so that I can dispute the accident and get a report of the details. I have been unsuccessful. After 40 seconds of instructions about this XXXX service the call ends apologizing for services being unavailable at this time and to call again. I have tried twice and am very frustrated. I recently received a letter from a Law Firm representing Santander ( Ref. XXXX ) to collect {$15.00}, XXXX. I refuted that charge as I refuted Santander 's settlement for me to pay {$6000.00} several months ago when they stated {$12.00} ( approx. ) was outstanding after the sale of the vehicle. This seems highly suspicious. Not sure what 's the deal.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (NY)

I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN XXXX HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.
Consumer complaint received 2016-02-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (DC)

I signed up for auto payment on my Sallie Mae account, to take advantage of the reduced interest. Because Sallie Mae does not allow me to set up my own auto payment amount, the {$25.00} dollar payment is not enough to cover the interest. So I have tried to ways to make additional payments to pay down the principal. One way is through the Sallie Mae site, but my payment was used for interest. When I called Sallie Mae, they said that it was because I paid before the due date that I should use my banks Bill pay. I have now used my bank bill pay, and my payment was still used for interest. I called again and Sallie Mae stated that it is because it was a day after my due date. I have auto payment so I do n't understand how my additional payment would be used for future interest.
Consumer complaint received 2016-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (IN)

Convergant Inc. supposedly has my comcast account in collections. They talked me into making a payment arrangements based on incorrect information. Everything I read about them tells me they are a scam. They do not have my correct Name or Address or State. I 've tried to talk to them about refunding my payment so that I could pay XXXX directly and they refuse to comply and state that I told them to the correct information even though they dont have the correct information on file for me. 


XXXX XXXX XXXX XXXX XXXX XXXX are the supervisers I 've talked to. They have told me it can take up to 72 hours for them to look into it and I still have n't received anything from them. nothing but radio silence.
Consumer complaint received 2022-02-09
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: Bread Financial Holdings, Inc. (IL)

Hello, I reached out and spoke to a representive regarding my account. The account showed it went delinquent in XXXX XX/XX/XXXX. I spoke with a representative and explained what took place. 

XXXX. Was hospitalized and did not know payments were not received. 
XXXX. Government employee required to maintain a certain credit score. 

The representative informed me she would put notes in the account and for me to write a letter and send the documents to XXXX XXXX XXXX, XXXX OH. XXXX and as a XXXX time courtsey they would delete these items for me so, I would not lose my job. 

The customer service represenative did not uphold their end, after contacting XXXX again, I was told their was no way a person could have told me that. I asked for an email address and I was told there was not XXXX. I was advised to mail in anything I have to the XXXX Ohio address. 

As of XX/XX/XXXX, I was terminated from my job for failure to maintain the credit score requirement. I ended up filing a lawsuit against my former employer. We are in discussion and they have agreed because of my outstanding record to allow me to be rehired, but this account must be either removed totally or deleted. 

My attorney has sent documentation and reached out to Comenity for help with an attempt to resolve this. XXXX representatives hung up after telling the attorney the only thing she could do was send the documents again. The case is back before the judge XX/XX/XXXX
Consumer complaint received 2016-03-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Van Ru Credit Corporation (MD)

I am repaying the debt to XXXX XXXX and Van Ru continues to call even though I pay on time to XXXX XXXX. When they call, Van Ru requests me to verify who I am by giving them the last XXXX digits of my social security #. When I say you called me so why do I need to verify they repeat what they requested and say when you 're ready to verify call us back. I continue to receive these calls even though I am paying directly to XXXX XXXX. This was agreed to by both parties.
Consumer complaint received 2016-11-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Performant Financial Corporation (FL)

My wages are currently being garnished regardless of my attempts to rehabilitate my loan. I first received notice of potential wage garnishment XXXX XXXX. I immediately contacted the number provided. I was sent to a voicemail and left my contact information. I also logged on to my XXXX account and made a payment. I never heard back. I was notified by my employer in XXXX XXXX that my wages were going to be garnished.
Consumer complaint received 2022-02-09
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX DOB- XXXX SSN- XXXX Sworn Statement Of Dispute Date XX/XX/2022 Dear XXXX, Transunion and XXXX XXXX You stated that I owe an alleged debt to XXXX XXXX  XXXX account # XXXX and XXXX  XXXX  account # XXXX. I would like to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX starting in. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX  still has the original signed contract with my XXXX wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and XXXX able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in XXXX  days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all XXXX bureaus immediately or I will pursue legal action.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

I was preparing to 'DISPUTE ' the results of [ Case # : XXXX ] company 's reply but it 'timmed out ' and now I get a message saying the account has been disabled. ( I first reset my password, read the response, it timmed out, now I can not access it. )
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

BANK OF AMERICA is currently showing 30 days late ( XXXX 2021 ) in XXXX and XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WI)

I use my Best Buy credit card to make purchases. Depending on the total amount of the purchase I am offered the option to defer interest payments for XXXX 'months. The balance is then tracked under the promotional balances. When I make a payment the payment is then divided amd credited to the promotional balances expiring within two months. In addition I sometime go into the best store and use my credit card to make purchases that do not qualify for defer interest payments. According to best buy this balance is called the revolving balance. Best Buy does not allow for payments to be allotted to the revolving balance and therefore forcing the customer to pay interest. Even though the total payments made after XXXX days of the last statement closing would be sufficient enough to cover the revolving balance and stop any interest being charged. Especially when the customer promotional balances do n't expire in the month that revolving balance interest be charged. On XXXX XXXX I made XXXX purchases in the amount of {$290.00}, and {$84.00}. I chose not to put these purchases under the deferred interest program because I knew that within XXXX days I would be paying the balance off in full for the purchases. I then made XXXX payments {$100.00}, {$120.00}, and {$160.00}. The total of these payments would have covered the entire revolving balance made on XXXX XXXX. Instead Best took my payments and applied them to promotional balances that are expiring XXXX/XXXX/15. Now I will be charged interest for my XXXX XXXX purchases when I have made payments to cover it and avoid interest. I called best buy about this and XXXX they stated that they could apply my payments to revolving but then he placed me on hold and came back to the phone and said that his supervisor said that it ca n't be done. This is unfair, if you are tracking the promotional and revolving payments, then you should also track and allow a customer to specify how payments are applied. Bestbuy is trying to force collecting interest.