davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX there were 5 fraudulent charges listed as coming from XXXX XXXX XXXX and 1 fraudulent charge on XX/XX/XXXX, also from XXXX XXXX XXXX. For the following amounts to my Citi Premier credit card : XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX I have spent many hours reporting this issue to Citi, at least 9 times. 5 phone calls and 4 chat sessions, they have refused to reverse these charges. I have also contacted XXXX XXXX XXXX to verify they did not charge my Citi Premier credit card for any of those amounts. 

I can verify that I contacted Citi on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There were more communications via online chat and another phone as well. 

XXXX XXXX XXXX verified that these charges are fraudulent and a representative from XXXX XXXX XXXX spoke with the Citi credit card dispute center on my behalf ( with me on the phone ) and explained to them that these charges are fraudulent. The representative will confirm my claim. 

I can also submit my wireless and internet bills from XXXX XXXX XXXX which will show XXXX XXXX XXXX never charged me any of those amounts, and that XXXX XXXX XXXX does not bill me on the XXXX or XXXX, ever. 

My wireless and internet packages are unlimited ( no data cap ), there is no possible way I could have racked up these charges. 

I will also be filing a complaint with the FTC while looking into a lawsuit.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I can not access my credit report via the Experian Dispute website nor can I get a free annual credit report. I have also tried to upload my documents in .PDF that was requested and it wo n't upload.
Consumer complaint received 2018-12-08
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: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

ON XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IA)

I received an email saying that I would be automatically enrolled in e-statements if I did not respond by XX/XX/XXXX. The email advises that to opt out of the electronic statements I must log onto the Nelnet website. However when I log onto the website there is no option to logout. The representative advised that I would need to go to the studentaid.gov website to change that option or wait until I am automatically enrolled on XX/XX/XXXX to opt out. This is a waste of my time and this is not the first time I have had to specifically request that my statements be delivered by mail. I do not want electronic statements. I should not have to opt out and if I do clear instructions and a working website need to be provided.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been making regular payments usually way more than the minimum amount due every month and sometimes I make payments two times within a billing cycle on my CAPITALONE credit card. I made payment for last month but I was still charged a late fee. When I called to complain, they said I made the payment a bit too early within the current billing cycle. I was really surprised and never heard that before. Nobody could offer any satisfactory explanation why I was charged a late fee.
Consumer complaint received 2021-11-10
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. (IL)

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing these accounts for over a year. They do not belong to me. Someone In my family used my information. 

XXXX XXXX XXXX XXXX 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 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXXXXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NC)

XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX/bestbuy ( old account owner to charge off when at the time it was not a charge off just a transfer to new company bestbuy/cbna )  now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the XXXX/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. XXXX  is constantly down and not allowing reporting these errors and previous XXXX credit fixes stayed pending.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

Recently, deposited a XXXX : XXXX check. And Chase refused to release any of the funds as normal. With the check in limbo calls to the Chase customer service centre were made to understand the banks intent. 

Attempted cash date : XX/XX/2020 Customer service refused to process the check Customer service denied Supervisor request denied, then granted request. 

Deposited check or fund access granted.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

I went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail crap from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.
Consumer complaint received 2021-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NJ)

Hello, I have 2 student loans with the Fedloan Servicing company and soon will be eligible for loan forgiveness under the Public Service Loan Forgiveness program. According to my records, I should be able to formally file for forgiveness around XXXX of XXXX. However, according to my online account, I have 17 ineligible payments.

I have been trying to rectify the payment count for about 3-4 years. When I initially called, I was told that they were backlogged and were prioritizing accounts nearer to the 120 count but they will have my account manually reviewed. I've called every 6 to 8 months to see if any progress was made and received the same response. 

They made an update to their website where you can see which payments qualified, which did not and why. Even though they were all made under the qualified payment plan and payments were made on time, most of them were listed as being " Outside the Window ''. I noticed that all of the ineligible payments were when my accounts were with a different servicer ( XXXX  XXXX  ). Some of my payments from that time period went through but most of them did not and I can not get an explanation as to why. 

I called a couple of times in XXXX to find out when my account will be reviewed and I got the same response of being backlogged and to call back in a few months. I called again in XX/XX/XXXX and I got the same response even though I should be eligible for loan forgiveness soon. However, now that I am a couple months away, I am very concerned that I will be on the hook for another 17 months because my account still hasn't been reviewed. I keep getting the same standard response from representatives and no progress is being made.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I went to " XXXX.XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

Enhanced Recovery Systems has taken on a debt that is not owed to them. Pursuant to 15 USC 1692 ( g ), neither Enhanced Recovery Systems nor XXXX XXXX has ever sent me the 5 things that are needed to validate a debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate. 

Company is in current violations of the following : -15USC 1692 ( k ) -15USC 1692 ( g ) -15 USC 1602 ( f ).

Should this company not remove these delinquencies from my credit profile, I will have no choice but to sue both Enhanced Recovery systems and XXXX XXXX. 

Company has never done business with me or anyone of my name or likeness. 
Company has repeatedly denied disputes to have this removed from my credit profile.
Consumer complaint received 2020-11-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2021-11-10
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: Total Card, Inc. (SC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX XXXX XXXX  is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

I went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-05
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. (NJ)

XXXX XXXX  # XXXX THIS ACCOUNT WAS A CHARGE OFF SINCE XXXX AND IS STILL REPORTING ACTIVITY ON MY CREDIT REPORT WHICH IS A VIOLATION.. 
ALSO THE DATE LAST ACTIVE ARE DIFFRENT TRANSUNION XX/XX/XXXX EQUIFAX XX/XX/XXXX I'VE DISPUTED THIS A NUMBER OF TIMES IT ALWAYS CAME BACK VERIFIED THIS ACCOUNT IS REPORTING TO XXXX  AND EQUIFAX THIS ACCOUNT WAS ALSO DELETED FROM XXXX  XX/XX/XXXX BUT XXXX  AND EQUIFAX NEVER FOLLOWED SUIT.