davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Nelnet, Inc. (MA)

I have been trying to extend my forbearance due to ongoing financial hardships. I am a XXXX XXXX XXXX XXXX  and one of my payers has not paid insurance claims since XXXX XXXX XXXX I am currently owed thousands, and I had to pay my rent this month by getting cash advances on my credit cards, which are now maxed out. I was initially told by Firstmark that the company will grant up to six months of forbearance ; however, my applications for an extension of the three months I was already granted have been repeatedly denied, with no explanation and no avenue for appeal. 

I have contacted Firstmark MULTIPLE times, asking for help and for information regarding this issue. So far no one has given me a consistent answer re : why my forbearance extension request was denied. Firstmark denies knowledge of the reason for the denial and they claim that they were not the ones who denied my application, yet they are unable to tell me who denied it. I have asked for the contact information for the direct lender of the loan, in hopes of getting this information straight from the source, but when I reached out to the bank Firstmark told me was my lender, that bank had no knowledge of my loan. As a result, I currently have absolutely no idea who actually issued my loan, and no one at Firstmark will tell me who it is, which means I have no way to try to prevent defaulting on this loan. 

I am already past due on XXXX 's payment. I am trying DESPERATELY not to default on this loan. But that is an INEVITABLE REALITY if I am unable to get someone at this company to cooperate with me. 

I genuinely feel like this company would rather I default and they lose the {$19000.00} I still owe them, rather than be cooperative and help me get back into a position where I can actually pay it off. I am SHOCKED at the obstacles they have thrown in my path, and the lack of transparency regarding my loan. 

I sincerely hope somebody takes this complaint seriously and helps me with this issue, as I have been going in circles with this company for months now, and I'm no closer to receiving honest communication and assistance. I just can not imagine that it is legal for Firstmark to withhold information from me regarding my direct lender, especially as withholding this information has set me on a path to default.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

MY CREDIT REPORT HAS MANY UNAUTHORIZED ITEMS. I REQUESTED THAT YOU SEND ME A COPY OF FORM XXXX THE AUTHORIZATION FOR THE SOCIAL SECURITY ADMINISTRATION TO RELEASE SOCIAL SECURITY NUMBER VERIFICATION FORM. I NEVER GAVE WRITTEN PERMISSION. 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ;
Consumer complaint received 2017-10-06
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: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. 1 ) XX/XX/XXXX/ no amount listed only has XXXX XXXX XXXX XXXX. beside their name. ( XX/XX/XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XX/XX/XXXX/ no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XX/XX/XXXX/ No amount listed only XXXX XXXX XXXX. listed. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquiry/ No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry from XX/XX/XXXX - Mail Order Firms This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Card Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  using account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX using account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

1year I have been working with XXXX XXXX help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my XXXX account. The document states that my student loan portion has been forgiven. XXXX has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I am currently trying to get a mortgage and am legally XXXX on limited XXXX income. I monitor my credit reports as often as I can and recently I have been locked out of XXXX XXXXXXXX XXXX because they claim I am enrolled in some sort of credit monitoring services and until I pay what they claim is due, I can not access my credit or scores. In fact, XXXX has been helpful in giving me a good idea about what is being reported at Experian for a long time but now suddenly, they are not able to access any information on me either. I am attaching the message I get when I try and do so. 
Also, I was denied credit this week because they could not find any credit on me with Experian which is impossible. 
I have attempted to call them on the phone and have been on hold for 45 min or more and then disconnected.
I am unable to dispute or verify any information with Experian at all and they are causing me extreme financial hardship because unless I resolve this with Experian immediately, a house I am trying to buy will not be available and I have to move within a month. 
PLEASE help me!! Why and how can they do this to me?
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, EXPERIAN, AND EXPERIAN KEEPS REPORTING INACCURATE INFORMATION. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( 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 records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-18
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. (MI)

I submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from Department of education, & one from the XXXX XXXX XXXX. I submitted this dispute to all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2019, Requesting the Equifax Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.
Consumer complaint received 2019-05-18
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 (CA)

American Express Platinum card had an introductory offer of spend {$5000.00} and get XX/XX/XXXX points.

I signed up for this offer and the credit card was approved. When applying or after my application was approved, even after having called the customer support team, I was told that my points were on its way and usually I have to wait it out for 3 - 4 months. ( I spoke to 3 to 4 representative who told me to keep on spending with the card ) 7 months into opening the account, today, I was told that the offer is no longer valid and they would not honor the promotion that was promised to me in XXXX, 2018. The companies, representatives lied to my face and are now denying the offer. 

This is not a correct business practice as I was cheated into spending more with the card.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harvard Collections, LLC (TX)

I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Cash Central cont to auto withdraw monies out of my checking acct when debt has been paid lastcontact i was told last pymt is XX/XX/2018? Ihave to pay XXXX $ for a XXXX. Loan? Pls help me. XXXX
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.
Consumer complaint received 2017-10-06
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: Experian Information Solutions Inc. (VA)

I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated from XX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
Consumer complaint received 2016-08-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (PA)

I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s 2 by never responding to my disputes.
Consumer complaint received 2015-09-21
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Loan Science, LLC (NJ)

My loan payments are current. They are calling me and the co-signor every XXXX minutes from morning until night. When I do answer the phone and talk to them they see that I am current and state that it is a " glitch '' in the system. However they are still calling every XXXX minutes to both of us and this has been going on for at least 3 weeks now. I am getting ready to call an attorney. Please help. Thank youXXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if still on the creditor XXXX XXXX XXXX, partial ( account number XXXX ) is still reporting inaccurate Date of last activity is being reported on Transunion as XX/XX/XXXX, at the same time they are reporting on XXXX a date of last activity as XX/XX/XXXX, and they are inaccuratly reporting on Transunion Date of Reported as XX/XX/XXXX, while on XXXX they are inaccurately reporting Date Reported as XX/XX/XXXX, also they are inaccurately reporting on Transunion Date Opened as XX/XX/XXXX, at the same time inaccurately reporting on Experian Date Opened as XX/XX/XXXX, also on Transunion they are inaccurately reporting account Status as Open, at the same time inaccurately reporting on Experian Account Status as Closed, they also inaccurately reporting on Transunion Creditor Type as Auto Finance, while inaccurately reporting on XXXX Creditor Type as Personal Loan Company. The Credit Bureaus took more than 30 days to complete my investigation. As how can payments be marked as late, when the account is in collections. XXXX have a history of inaccurately reporting information to the credit bureaus, and I am a victim of thier inaccurate reporting. Attached is a form showing inaccuracies, and also a document showing a previous settlement with the CFPB and XXXX XXXX XXXX regarding this same issue. Delete this account asap from my credit report.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if still on the creditor XXXX XXXX XXXX, partial ( account number XXXX ) is still reporting inaccurate Date of last activity is being reported on XXXX as XX/XX/XXXX, at the same time they are reporting on Experian a date of last activity as XX/XX/XXXX, and they are inaccuratly reporting on XXXX Date of Reported as XX/XX/XXXX, while on Experian they are inaccurately reporting Date Reported as XX/XX/XXXX, also they are inaccurately reporting on XXXX Date Opened as XX/XX/XXXX, at the same time inaccurately reporting on Experian Date Opened as XX/XX/XXXX, also on XXXX they are inaccurately reporting account Status as Open, at the same time inaccurately reporting on Experian Account Status as Closed, they also inaccurately reporting on XXXX Creditor Type as Auto Finance, while inaccurately reporting on Experian Creditor Type as Personal Loan Company. The Credit Bureaus took more than 30 days to complete my investigation. As how can payments be marked as late, when the account is in collections. XXXX have a history of inaccurately reporting information to the credit bureaus, and I am a victim of thier inaccurate reporting. Attached is a form showing inaccuracies, and also a document showing a previous settlement with the CFPB and XXXX XXXX XXXX regarding this same issue. Delete this account asap from my credit report.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (NC)

On Tuesday XX/XX/XXXX I found out that I am a victim of Identity Theft and an Unsecured Personal Loan in the amount of {$35000.00} was issued by Barclay Bank to the thief. I also found out that a XXXX Checking Account was opened in my name and the {$35000.00} went into this account. I've made numerous calls to the Barclay Bank Security Division at XXXX -- XXXX and spoke with the investigator XXXX. XXXX told me time and time again that she can not share information with me in regards to where the account was opened. I confirmed with her all of my information is correct on the loan application ( SS #, DOB, Address, Drivers Lic. # ) except the email address and my place of employment. The email address used on the application is not my email address, but XXXX said she could not tell me the email address. She did tell me the employer used is " XXXX XXXX '' which is wrong. I've tried to get other information but I've been told time and time again that it is under investigation, I have to be patient. I spoke with XXXX on Friday XX/XX/XXXX and she became very irrate with me, told me not to call her anymore, she is not giving me any more information, that the XXXX Police Detective assigned to my case # XXXX needs to get a subpoena for the information. The XXXX Detective spoke with XXXX, told her that this is a fraud investigation and she needs to give the information and again she told him to obtain court documents. Today Saturday XX/XX/XXXX, I received a letter from XXXX in regards to me putting a Fraud alert on my SS # and this letter clearly states the following : " You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing '' NOT once did any of the Security Fraud Associates that I or my wife spoke with or XXXX at Barclay Bank explain to me if I submitted a request in writing for this information they would give it to me. Clearly, under the law ( which I have been saying over and over again ) I am entitled to all the information used to obtain this XXXX $ FRAUDULENT PERSONAL LOAN that was approved ONLINE with no face to face interaction. 

I will be calling XXXX at Barclay Bank on Monday XX/XX/XXXX to get an address, email address, fax # so I can submit a request in writing for all the information regarding this Fraudulent Personal Loan.