davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2019-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

My complaint is against NELNET. I had my loan in deferment and I had kept my address and phone number current on my account. The last statement that I received in the mail was on XX/XX/2019. I had talked to them on the phone in XX/XX/XXXX and understood that I was still in deferment. I never received a phone call or statement or warning of any kind. Nelnet placed my account in default on XX/XX/2019, without any warning. I did not know until it was too late and I was notified by the Dept. of Ed. Now this default is on my credit report and I want NELNET to take my account back out of DEFAULT because I think that they should notify their account holders and give them a chance to take action. I think that NELNET should of made an effort to notify me and that did not happen.
Consumer complaint received 2022-09-30
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)

In accordance with the Fair Credit Reporting act XXXX ACCOUNT 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 a account without my written instructions
Consumer complaint received 2022-12-13
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. (NJ)

XXXX, Experian and XXXX XXXX credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXX XXXX XXXX XXXX that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX XXXX account was used to purchase merchandise in the state of XXXX but I live in XXXX The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX XXXX to take out a credit card but the card was declined.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Conduent Incorporated (NV)

I received a direct deposit from XXXX on two occasions to my state-issued way2gocard in the amount of {$690.00} and {$690.00}. I transferred the money from my way2gocard to my bank account. I received a confirmation that it cleared. Money never went to my bank acct. I called conduent and they stated that XXXX does not allow transfers and the money would be back on the card in 10 days. Nothing appeared. Called conduent back they confirmed the routing and acct # and disconnected me several times. I called XXXX they stated that the information provided was not true and they would esclate to a supervisor. Never heard back. Called conduent back, at this point they said the routing number was incorrect, verified and said the oney would be back on the card in 10 days. Nothing. Called Conduent again and they told me they would mail a dispute form, I received filled out an sent back on XXXX. They then sent a letter saying the money went to my bank account and to contact my bank. I contacted XXXX XXXX XXXX and they assured me the money was never sent to my bank. Now when I try to reach conduent, they disconnect my number automatically. I try from a different number and can get through but eventually after holding for over an hour it disconnects. I recently received a call and form letter from XXXX XXXX asking for account info, which I have not provided. I do not know who can help. This all seems like a scam and they are stealing the unemployment money. {$1300.00} has disapeared from the Conduent way2gocard into thin air. It has been over 2 months. XXXX does not respond, Conduent does not respond. I do not understand how an agency like this can work with our government. Not sure who to contact at this point, or even if this is legit or an ongoing scam. Please help.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}
Consumer complaint received 2022-08-12
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. (NV)

I recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act, State of Ct Department of social service Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX XXXX Bank acct XXXX XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  Acct # XXXX Have 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 instruction.
Consumer complaint received 2022-04-16
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CO)

The XXXX XXXX XXXX  have alleged that I owe {$550.00} for a full repaint job to the unit. However there was no need for a total repaint. In the lease agreement it states normal wear and tear excepted Which there was nothing more than that, normal wear and tear on some of the walls. I can assure you that these marks were able to have been wiped off rather than repainting the entire apartment. When the initial move out walk through was conducted I was sent no pictures of the walls, yet I was still being charged the {$550.00} for repainting. XXXX did not send me pictures until I had emailed a complaint about it. The pictures I received only showed a few marks on the walls and some left over clear tape, that once again, could have easily been removed from the wall. Even with the pictures these said marks are difficult to even make out. I have previously sent this statement to XXXX XXXX creditor agency, Hunter Warfield. I was never inclined back on my dispute. I contacted the agency once again after two and a half weeks of not hearing anything back, they finally told me that my dispute was denied and this was going to hit my credit today. They said they contacted me on XX/XX/XXXX but, I have yet to receive anything back from them. I have not received any calls or emails from Hunter Warfield since XX/XX/XXXX, when the initial email was sent out informing me of said debt.
Consumer complaint received 2019-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I opened an account with Coinbase to buy cryptocurrency last month. I invested and deposited around XXXX $ in the Coinbase exchange and in XX/XX/XXXX Coinbase blocked my account and asked for some bank statement and ID card for verification. Its now almost two weeks and my account is still blocked and I have no access to my hard earned money which is stuck in their account. I called them 16 times and they keep telling me to wait. I have XXXX kids and have to run my personal expenses but I can not as my money is locked in their system and I have no way of getting my money back from Coinbase .i am loosing money everyday because the trade I did is now hanging in Coinbase with me no access to my account. Please help.
Consumer complaint received 2021-06-09
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: Financial Data Systems (NC)

Account # XXXX XXXX XXXX {XXXX} SEE ATTACHED Greetings, This is a formal complaint against Financial Data Systems Inc for furnishing information to XXXX XXXX, and XXXX. Please note that this company has over 800 complaints that are active with the Consumer Financial Protection Bureau. Additionally, this company has 41 complaints with the XXXX XXXX XXXX. This company has fraudulent behavior and I demand that these accounts be removed from all three credit reporting agencies which include XXXX XXXX XXXX XXXX  The actions of Financial Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Financial Data Systems Inc in their question to damage my credit standing based on XXXX XXXX XXXX motivation and retaliatory tactics for filing a complaint against Financial Data Systems Inc with the North Carolina Office of Financial Regulation. Financial Data Systems did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 

Please review the following attachments. 


Sincerely,
Consumer complaint received 2022-04-16
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-09-20
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: 3rd Generation, Inc. (CA)

I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.
Consumer complaint received 2021-09-20
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I met a person online by the name of XXXX XXXX on XXXX. Somehow he managed to hack my bank account and send online transactions through XXXX and XXXX, as well as other online transactions. 
XX/XX/XXXX Total online transactions I did not authorize : {$5900.00}. 
XX/XX/XXXX Total online transactions I did not authorize : {$7500.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$6100.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$10000.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$4500.00}. 
I was not aware of these charges and Citibank debited {$20000.00} I had in my savings account, completely wiping my savings. I have yet to receive any of my money back and they denied my fraudulent claim. I never authorized this person to make these transactions and I will continue to fight to get my money back and to remove any addition charges this person did.
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: PNC Bank N.A. (TX)

My student loans take up almost half of my yearly income. I'm having a hard time living off of $ XXXX/month, especially when unexpected things pop up like medical bills, car repairs, moving expenses, etc.. With all my bills paid, I have less than {$100.00} leftover to spend or put in savings or towards those unexpected costs. I can't keep up with it and PNC/XXXX  have only one option to reduce my monthly payments - not even based on my income and only a 1 year option ( as if my income is going to increase so significantly in a year that I will be able to afford $ XXXX/mo on my private student loans and over {$200.00} for my federal loans ) - and have made it insanely hard to enable that on my loans. 

I'm having panic attacks about being able to make these payments and afford to live even at the bare minimum. I've had to work two extra jobs and insane hours to keep up, but I can't do it anymore. My XXXX XXXX XXXX XXXX is XXXX, making it near impossible to do my job and grow in my career. 

I don't want to be a mooch and never expected to pay nothing for my education but there has to be SOMETHING, some option available to reduce my payments to a reasonable and livable amount. Please, please help me. I've tried everything I can think of, including an attempt on my own life. Please help.
Consumer complaint received 2022-08-03
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. (TX)

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. These ADDRESSES are fraudulently on my credit report, XXXX XXXX XXXX XXXX XXXX, TX XXXX. These EMPLOYERS are fraudulently on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX. Please send me verification I authorized these : This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.
Consumer complaint received 2021-09-20
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. (NV)

On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased immediately. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NV)

On the XXXX of XX/XX/2021 my Sister sent me the sum of {$15000.00} to my Discover bank account, she was debited but I wasnt credited, I tried to find out what happened by calling discover customer care line, but they said they were verifying .. fast forward to XX/XX/2021 I still havent received the money and the money wasnt refunded back to my sister Bank name : Discover Bank Account name : XXXX XXXX Account number : XXXX Routing number : XXXX