davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Recovery Specialists, Inc. (KS)

In the first week of XXXX it occurred to me to check my credit score and I realized that I had a collection account and that my score dropped drastically. Look at the company and it was A.R.S.I. I called them and they told me that I had a medical bill from XX/XX/2020 for the amount of {$480.00} that had not yet been paid and that they often sent me letters but I never received anything because they sent it to another address I told them that I was willing to pay but to remove that from my credit report but they told me that it was not their fault that I had not received the letters and that they could not change it so I spoke to the doctor 's office I told them what had happened and the misunderstanding to them I explained that I had already paid one bill but that I never knew about this another one becarse I never received it and they apologized and accepted the full payment of the bill and told me that they would send a letter to ARSI I don't know if they did but they keep calling me asking for payment and until then they will remove my collection from the FICO
Consumer complaint received 2021-06-25
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. (FL)

On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.
Consumer complaint received 2021-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp (MN)

I made a a payment agreement with zutafi loan company. Formally known as SLFC and several different names. They continue to harass my XXXX and XXXX father. They also continue to assault my credit report every month, even with payment being made on-time. I get very little information of my progress. And the loan is almost XXXX years old. They have very deceptive practices. And did not notify me that my loan my be going into default. Of course until it did. Also, the company was constantly changing it's name and address. So I had no idea of whether I was being scammed or not.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Uber Technologies Inc. (NM)

I was incorrectly charged {$230.00}. The correct charge is {$6.00}. Uber agrees this is the correct charge, but because they had trouble issuing the refund to my credit charge, Uber has issued an Uber credit instead. Uber credits are unacceptable. I am being defrauded out of cash in the amount of {$220.00}.
Consumer complaint received 2022-05-01
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. (SC)

I called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-30
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)

About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the Dept of Education and they too could not find any loans associated with ssn. 

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from my credit report.
Consumer complaint received 2018-02-17
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: ALLY FINANCIAL INC. (MI)

XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous ReptgXXXX Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive Ally Finan I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (CA)

I was under the impression that I was consolidating my loan and going into an income based program. The company XXXX XXXX XXXX claimed they were a government agency and apparently used equitable acceptance to finance my loan for a fee. I had no idea I was being charged a service fee to consolidate my loan. They charged {$2000.00} for the service fee. They are drafting my checking account for {$42.00} a month. I tried to cancel because there is no fee to consonlidate your student loans. I can do it myself. I thought the {$42.00} was going towards my student loan balance. However, they said I am stuck with the debt and owe them or they will report it to the credit bureaus. This is fraudulent business practice. By both XXXX XXXX XXXX and XXXX XXXX. My servicing company is XXXX and I believe they are fraudulent as well. They put me in forbearance when I thought I was going into an income based program. Now Ive accrued a ton of interest. These companies are fraudulent businesses. I also have reason to believe they logged into my fafsa account and changed things around which is illegal. They also told me my loan would be forgiven after 10 years which is a lie.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I fell victim to a online personal loan scam which I already filed a claim on. They deposited {$840.00} into my Chase bank checking account which I was able to withdraw. The fraudulent loan company said it was to raise my credit score and they had to deposit a larger amount of {$1300.00}. At this point I received a notification from Chase that they were putting a hold on the check until XX/XX/XXXX and that was all I heard from them. Later that day Friday the XXXX I went to get gas and my card read invalid so I went to another station and same thing happened! Now Im freaked out so I call Chase and the guy says my account was closed. I asked him why and he said I would have to call corporate and I demanded he connect me, I was livid because I had just been embarrassed twice in front of my little boys! The man from corporate was rude and arrogant from the start and said yes my account was closed because I dont meet the criteria for a Chase customer! He said the checks deposited were bad and I was on the hook for them. He made me feel like the criminal! This is the only incident I have ever had with Chase, they offered no help nothing. I asked him when were they going to get around to telling me my account had been closed and he said I should get a letter in about 10 days!! I cant get the money left in the account out, Ive had to contact everyone that I paid through my debit card, Im on XXXX and I dont if I got to Social Security in time to stop next check from going to Chase? Its caused me a living nightmare! I told the man, you know if I had a million dollars in this bank this would be handled way different, he said if I had a million dollars in his bank I wouldnt be XXXX enough to fall for a scam!!! This is just unacceptable treatment period!
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OK)

Sunrise Credit Services is reporting I owe debt with a XXXXXXXX XXXX for tuition from 2016. I never attended XXXXXXXX XXXX and owe them no money. They have no records to support this debt and are refusing to remove the erroneous collection account from my credit.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

DEBT RECOVERY SOLUTIONS DATE ACOUNT OPENED : XX/XX/XXXXAMOUNT OWED : {$570.00} So after receiving my annual credit report I had noticed that this entry DEBT RECOVERY SOLUTIONS has reported to all 3 Credit Bureau 's that I XXXX XXXX owe this company {$570.00} I have attempted to dispute this charge with credit bureaus cause i have no knowledge of this account or where it even came from. The Original Creditor Name to my knowledge according to the Credit Bureau is listed as XXXX XXXX XXXX. I have not been to any Emergency Room sinceXX/XX/XXXX. With the exception of a hand injury at work in which was a work mans comp situation and I was treated at XXXX XXXX XXXX not an Emergency Room. So I am disputing this charge cause this charge was not from me, and I ask DEBT RECOVERY SOLUTIONS to remove these charges from all 3 Credit Bureaus and properly investigate this issue.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (LA)

I received student loans subsidized and unsubsidized and consolidated them and started to repay the loans in XXXX. 

I have requested that Nelnet send me an amortization schedule and have not yet received this information. There is no consistent amount applied to interest or principle. My original loan after consolidation fee was {$30000.00}. As of XX/XX/XXXX I have paid {$24000.00} of that payment {$16000.00} was applied to interest and {$7000.00} has been applied to principle. My current principal balance is {$33000.00} which is {$2400.00} more than my original loan balance. 

When I call and ask about the fact that my principal has never been lowered. They tell me that it is because my loan has been put in forbearances multiple times. When I asked to see documentation of why this happened ; I was told this was a verbal agreement. I disagree with this because I have not asked for forbearances and feel like this is just an excuse to increase interest rates and capitalize interest. 

I feel like Nelnet is using fraudulent lending techniques to increase loan balances by capitalizing interest.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (PA)

Several Payments are being reported as late on my credit report. I had a payment plan set up and was making consistant payment every month on this account. This time frame for the reporting should be coveredd under the Cares Act and the payments should not be reporting late, I have tried to disput with the CRA as well as the company I recently opened another disput today to have these errors corrected.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Gerald E Moore & Associates, PC (NY)

There is a collection item on my credit report. 
I have tracked down the collection atatormey. For the past month I have asked them to provide detail and proof of what I owe if I owe and they say they will mail it. 
I still have not recived any information and on the last call the attorney hung up on me.
Consumer complaint received 2022-11-19
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America issued to me a CASH REWARDS credit card. I earned {$27.00} on this account through the use of the card. Without warning, Bank of America closed the account, precipitously, and without cause. When I tried to have the already earned {$27.00} applied to my credit card balance, I was summarily told that since the account was closed I " lost the reward '' and will not be able to redeem it. 

The Bank eventually sent me a letter stating that my checking account would be closed and gave me 20 days to wind move my funds. They did not allow me the same time to redeem the rewards that I had already earned and that their system still shows to be earned and awaiting redemption. 

This is an exact copy of what they are showing me : Summary for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total credit line : {$3000.00} Rewards for Bank of America Cash Rewards Visa Platinum Plus - XXXX Total Cash Rewards : {$27.00} Cash Rewards Go to Rewards View/Redeem Since I have earned this amount Bank of America should be required and obligated to credit my account with this amount ASAP. They refuse despite repeated requests for them to do so. 

Furthermore, they should also repay me for the {$6.00} that was debited from my checking account on XX/XX/18 and paid to Direct Checks for checks on an account that they summarily closed without cause that are now useless.

Go toMake payment for Bank of America Cash Rewards Visa Platinum Plus - XXXX Go to
Consumer complaint received 2022-05-02
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. (NY)

My name is XXXX XXXX XXXX XXXX I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies Transunion LLC, XXXX and XXXX Information services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

Recently signed up for a Best Buy store credit card and they created an account and subsequently canceled my order so I also canceled my credit card. 

Meanwhile they never sent a card or statement to me ... the only reason I know of a statement was because they sent a vague email notifying me of a statement. 

Meanwhile I can't login online to see anything since they never sent me a card. When they claim I had to have a card to create the online account and opt in for estatements. 

This is a blatant lie on their part, and a major gaping hole in their systems if they think they can send an estatement to people that don't have cards and have no means to login and pay. 

-
Consumer complaint received 2022-11-19
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stephen Einstein & Associates, P.C. (NY)

I am being sued on credit card debts. Despite being notified of my current address, and mailing notice to sue to my current address, Einstein and Associates PC, located at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX continues to serve these papers on my parents, grandparents, aunts and neighbors at an address in XXXX XXXX, harassing my parents and embarrassing me, while being fully aware of my address in XXXX. 
I have copies of the notice to sue with my XXXX address. They gave me the index numbers of the matters in XXXX XXXX, but to date, have not served me with papers, but continue to serve my family members with these papers, even though they have nothing to do with the suit.
Consumer complaint received 2021-06-09
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: Experian Information Solutions Inc. (OH)

I currently have bankruptcy on my credit report. All but two accounts showing has been put in an bankruptcy Experian continues to violate a court ordered bankruptcy. 90 % of what Experian is reporting and leaving on my credit report is in the bankruptcy and inaccurate false reporting keeping my scores low since 2018! I have disputed multiple accounts numerous times and providing the proof from their own records! 
XXXX XXXX Flagged my credit report indicating a bankruptcy. Experian was well aware the account was a part of a court order bankruptcy. 
Experian continues to have this showing and reporting derogatory ratings. After disputing nothing is removed and corrected. Violating the court order bankruptcy. 2+ years! 

Experian continue to report hard inquiry showing HIGH RISK LEVEL. It clearly states hard inquiry falls off at two years. Its almost 3 years! 
I will attach all the inaccuracies in the screenshot pictures Ive taken. 

I am applaud at the fact I was denied the chance to rebuild my credit do too the fact Experian refuse to properly report. Purposely taking accounts that are in a bankruptcy and use it against me twice. After being notified and properly disputed lots of accounts providing documents about the issue, Experian refuse to remove the active bankruptcy accounts allowing all these accounts to completely ruin my entire report! I went 3+ years trying to recover from losing my home and everything I worked hard for very very minimum inquiries, no new debt and able to pay the outstanding utility bill. Only to find out the massaive damage Experian had caused to my credit report and scores. 

Experian has done this on purpose its no mistake. Because even after notifying Experian providing solid proof all of the accounts, hard inquiry and derogatory reporting remained. if that wasnt bad enough Experian continue to falsify and edit dates turning 3+ year old bankruptcy debt into new and current accounts that are seriously late, past due, high risk etc. I couldnt get a vehicle and Ive been wrongly denied credit because of this. 

I plan on pursuing the company for damages. Bankruptcy court will be notified of how Experian aggressively used bankruptcy debts to severely damage my credit profile. Violating my consumer right to fair reporting. 

I have attached screenshots of the damages. 

I do not deserve to be treated this way. And plan to make all the information public do others will know Experian is damaging your credit profile keeping your scores very low even youve done everything right.