davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

EXPERIAN neglected to verifyValidate the account from XXXX XXXX XXXX before placing that heavily manipulated inaccurate account on my credit report. XXXX XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion XXXX XXXX XXXX   purchased the CLOSED DELETED XXXX XXXX  ACCOUNT # XXXX from XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX THEN RE-AGED the 5 year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX  XXXX  account to EXPERIAN and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. XXXX XXXX XXXX MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for EXPERIAN to not independently investigate the dispute that I submitted relating to XXXX XXXX XXXX. It is a violation for EXPERIAN TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. EXPERIAN has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which EXPERIAN must abide/adhere to. EXPERIAN reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. EXPERIAN should be held accountable for purposely/knowingly assisting in damaging my already fragile credit report.
Consumer complaint received 2020-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I purchased a new vehicle at XXXX XXXX XXXX XXXX. I signed all this paperwork and they gave me a hard to read triplicate copy. After two months of not getting my license plates, I went down to the California Department of Motor Vehicles and discovered that all the contracts had an address that doesn't even exist, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My address at the time was XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. 

I happened to have ordered personalized plates so the DMV to comply with the temporary plate law assigned that personalized plate to my vehicle, a XX/XX/XXXX  XXXX XXXX XXXX and told me that the plates were probably returned to the dealer. So I called the dealer, which transferred me to the " DMV DESK '' and never got back to me. I went back to the DMV to try to find the plates and to this day, I do not know where they are at and the DMV offices are closed due to COVAID. I have been on hold for hours with the DMV trying to get an appointment somewhere because I do not want these personalized plates on my car. 

I told SANTANDER that I never lived at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and why do we spend so much time underwriting a loan where they are receiving 24.19 % interest rate but can't assist me in finding the plates. Why wasn't this contract mistake discovered at funding? Isn't that something to underwrite besides a consumers income, assets or REG B? Its on everything, even the GAP insurance contract. NO ONE CAUGHT IT, TO THIS DAY. 

I feel like the collection calls are unfair and I am not going to make any payments until I get the license plates due to your error.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (NY)

I sent a letter on XX/XX/2022 to CREDIT BUREAUS to remove XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX Balance -, and XXXX XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$130.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after XXXX XXXX letter I sent. .Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again.,
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

XXXX XXXX XXXX is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. XXXX XXXX XXXX purchased a CLOSED collection account from SPEEDY CASH. SPEEDY CASH reported the closed account balance as {$1500.00} before selling/ transferring the account to XXXX XXXX XXXX ... XXXX XXXX XXXX has now duplicated the original CLOSED SPEEDY CASH ACCOUNT # XXXX And reported this 5 year old closed duplicated speedy cash account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. XXXX XXXX XXXX  is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. XXXX XXXX XXXX  REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. XXXX XXXX XXXX  RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. XXXX XXXX XXXX   PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow XXXX XXXX XXXX  to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from XXXX XXXX XXXX. I will pursue my rights to hold XXXX XXXX XXXX accountable for the companies deceptive malicious tactics.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (TX)

I sent a letter onXXXX XXXX to CREDIT bureau ) to remove XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$580.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUEAUS are required to remove any accounts not later than 4 business days after thXXXX XXXX leter that was sent to CREDIT BUREAUS. .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; and XXXX & I am including it again.,
Consumer complaint received 2022-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Am having a problem with Nelnet. On many occasions have attempted to re-certify my IDR status and have been met with the same looping patterns with them as disclosed in the attached email to them. 

Basic problem : the Nelnet call agent offers solution, but doesnt deliver and redirects to a website, the website dosnt work ( see screenshot of malfunctioning website after all input has been completed ). In this most recent call a form was requested to be emailed, filled out and returned, due to the problems with the website. In the promised email, no promised XXXX XXXX, I am only directed to a website, that is malfunctioning, the reason I called. The websites dont actually work, which forces me to call them, where they say they fixed the issue with my account, or will send me something to fill out, but issues are not fixed and only send link to the same problematic websites. 

Seems like they have some incentive to make problems for their customers? What could this be? 

Can you please switch me to other loan service providers? 

Thank you, XXXX XXXX
Consumer complaint received 2020-06-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This XXXX XXXX loan for {$500.00} fell behind after job loss. This company used the XXXX XXXX app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and XXXX   with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, XXXX reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, XXXX was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, XXXX 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KY)

On XX/XX/XXXX I opened a new checking account with Citibank after finding an ad for a bonus promotion ( # XXXX ) for depositing a minimum dollar amount in the new account. The promotion in my case was {$700.00} for depositing at least {$50000.00}. On XX/XX/XXXX, I transferred {$51000.00} into the newly opened account. As per the terms of the promotion, I transferred {$47000.00} out of the account XX/XX/XXXX, months after I had kept {$50000.00} in the account for the obligatory period. I left {$4000.00} thereafter to the present day. 

I have met the qualifications for the bonus, but Citibank has not applied it to my account. I called three times to confirm that my account qualified for the promotion, and was told each time that it did. The Citibank support agent told me this today by phone : You have met all the requirements for the promotion. The agent filed a complaint on my behalf. The account is in good standing, exactly six months after I funded it. 

It is notable that Citibank sends no confirmation of the bonus sign-up with new account information. All information I've obtained has been from company support agents.
Consumer complaint received 2020-06-20
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 — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

XXXX  neglected to verifyValidate the account from NATIONAL CREDIT ADJUSTERS before placing that heavily manipulated inaccurate account on my credit report. XXXX  XXXX XXXX XXXX was the original debt collector for the account # XXXX that reported a past due balance of XXXX. The ORIGINAL CREDITOR is/was XXXX XXXX. This closed XXXX XXXX account was originally DELETED from my credit report. After the deletion NATIONAL CREDIT ADJUSTERS purchased the CLOSED DELETED XXXX  CASH ACCOUNT # XXXX from AD XXXX XXXX SERVICES. NATIONAL CREDIT ADJUSTERS THEN RE-AGED the XXXX year old CLOSED/DELETED/XXXX XXXX account # XXXX and reported this transparently manufactured Cliosed/ Deleted XXXX XXXX account to XXXX  and the other credit agencies as a NEW/RECENT COLLECTION WITH A PAST DUE BALANCE CLOSED ACCOUNTS MAY NOT BY LAW REPORT BALANCES AS PAST DUE. NATIONAL CREDIT ADJUSTERS MAY NOT LEGALLY REPORT A PAST DUE BALANCE OF {$1500.00} due. Because, The ORIGINAL CREDITOR XXXX XXXX  originally reported a past due balance of XXXX. That is double jeopardy. ONLY ONE CREDITOR MAY REPORT THIS past due balance. Because XXXX XXXX first reported the {$1500.00} past due balance. Any following debt collectors are EXCLUDED from reporting this XXXX dollar past due balance. It is illegal to RE-AGE accounts. It is a violation for XXXX  to not independently investigate the dispute that I submitted relating to NATIONAL CREDIT ADJUSTERS. It is a violation for XXXX  TO REPORT INACCURATE ACCOUNTS/ INFORMATION on my credit report. XXXX  has gotten extremely comfortable with ignoring the FCRA regulations/ and guidelines in which XXXX  must abide/adhere to. XXXX  reckless credit reporting and mishandling of my disputes is gross negligence. I will continue to dispute this and any manipulated flawed doctored account until it is correctly and permanently removed. XXXX  should be held accountable for purposely/knowingly assisting in damaging my already fragile credit report.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ADP Inc. (MA)

I received a debit card today XX/XX/2022 under my name that I never applied for from a company called Wisely. I attempted 3 phone calls to XXXX to see whats going on. Calls are going to XXXX and the customer service is asking for my social security which I am not providing them with. I gave them the debit card number and they are unable to provide me with any information. I went to their website mywisely.com and tried to recover the account. I cant recover the account because the email is set up to some outlook address that Ive never heard of. I need help to find out what is going on.
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

During XX/XX/year> XXXX purchases were made that were collectively {$690.00}. During this same month a payment was made on the account for {$860.00} to pay for these XXXX purchases and a prior purchase from XX/XX/year>. Unfortunately, this payment paid off a promotional balance instead paying the most recent non-promotional purchases ( which was the intent ). After this occured, several attempts were made to contact SynchronyBank/Lowes to have this payment corrected. The first contact occured during XX/XX/year> and continued several times after. On XX/XX/year> Synchrony Bank sent a letter stating " Your payment has been applied to your account balance as requested. The change will be shown on your next billing statement. '' With this, I was under the assumption the payment was being applied incorrectly. Upon receiving the next statement in early XXXX I did not see any change so I contacted the company again to be told to wait an additional month to allow time for the changes to be made. Again, once I received the XX/XX/year> statement this was still not corrected. Upon contacting Synchrony again in the middle of XX/XX/year>, I was informed that my request could not be fulfilled and that I needed to pay the balance. I requested to speak to a XXXX and was provided XXXX. She stated the matter would be investigated but could take up to XXXX days. Since 30 days have elapsed, I contacted Synchrony Bank again to request an update. According to the customer service representative I spoke with, my request was closed and they were unable to correct the payment issue. He further stated, " too much time had passed ''. As of the end of XX/XX/year> I have accrued over {$130.00} in interest charges. In years past I have rarely paid any interest at all due to paying balances before any interest could accrue.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I saw an email today from B of A saying one of my cards had been cancelled with no explanation OR warning. Accessing my online account confirmed this. 

I spoke to two B of A representatives by phone ( both were nice, professional, and as helpful as they were able to be given B of A 's policies. One was name XXXX or XXXX ). I was told that the account was closed because it had not been used in over a year and there were concerns about fraud etc. He even tried to say that COVID-19 was somehow was relevant regarding fraud. It should be known that at no time was the card ever lost, misused, or had a single questionable/fradulent charge. In fact there were no charges. I was also told the the account could not be reopened once it had been closed and that my only recourse was to apply and receive a card via a new account. 

This is unacceptable on a number of fronts. I only carry 3-4 credit cards/accounts. I do this by design as I don't want many accounts. Two of my cards/accounts are/were with B of A. The closed account in question was open in 2005. Now my credit score may be negatively affected by having an account closed, then further negatively affected with a new account to replace the closed account. The new account ( being new ) will not have the positive affect that the XXXX year old account had on my credit rating. Do you see how this may be an issue for your customer?? I now have less credit available to me at a time when I may need it. 

Worse, there was no warning that this would happen. No one from B of A called, texted, or emailed saying this would be done if I didn't use the card by XXXX date. I could easily have used it with some notice and avoided this. Now that's done, you have no mechanism to undo or fix the damage. While I am sure that this contingency is probably allowed, and I have implicitly agreed to it by checking a box or that it is buried in a terms of service agreement ( pages upon pages of small font legalese ), this is unacceptable from the consumers point of view.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (OH)

U.S. Bank illegally opened an extended line of credit without our permission, nor with written authorization from the Non-Profit Organization ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was opened at a branch ( which has not been divulged ) under an EIN number that had expired 10 years ago and tenure and authority changed on the account. US Bank is now trying to collect a debt under an account that has been closed, and no longer active, ( since XXXX ) and refuses to cooperate by providing copies of the alleged Agreement they allegedly had with a signature of the responsible party of the Organization.

I am personally receiving debt collection calls at my home 2 x a day, XXXX XXXX  and XXXX XXXX  and I receive phone calls even on the week-ends. In the past I have written and tried to reach an understanding with many individuals even at the Headquarters in XXXX. I have been ignored, treated as if I did something terribly illegally wrong and US Bank is putting this burden from their inside mistakes on my shoulders. I am only a responsible Party of our Organization, not the owner. No written Debt Collection notification regarding our rights has been forthcoming. Therefore ; I ask, where is this paper work indicating who opened this line of credit and when? 
Here is the first contact made>>> Dispute regarding Extended Line of XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  This is just to confirm that a dispute was sent yesterday for the following Business Account in regards to alleged " Extended Line of Credit '' No. # XXXX. 
I am confirming that XXXX XXXX, XXXX in XXXX Ohio Branch initiated the complaint. 
Please respond in kind as to what else may be required at this time and/or if the dispute was received. 

Thank You XXXX XXXX XXXX XXXX XXXX NO RESPONSE Second Contact made>>>On Friday, XX/XX/2022 at XXXX XXXX  EDT, XXXX XXXX XXXX wrote : In accordance to the Federal Investigators, your company US Bank has been ordered to refund all fees and monies owed to the abused account mentioned in this email for an extended line of credit that our organization nor myself as responsible party, agreed to in writing in accordance to Law. Unless authorized signatures are forthcoming we are allowed the refund of all fees and interest charged on the Line of Credit in the aforementioned account. Thank you.

Responsible Party, XXXX XXXX XXXX' In conclusion, We need help.