davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX XXXX by Comenity Capital Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted Comenity and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Consumer complaint received 2019-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed this account multiple times with TransUnion and each time I submitted a disputed they verified the account as accurate. However, when I reached out to the credit union, they stated they only report to XXXX and sent me a letter in writing stating the same thing, which I have attached below. 

TransUnion is claiming to have done a proper investigation in accordance with the FCRA which they couldn't have done because the credit union has no proof or record of TransUnion reaching out to them to verify this account. So why is TransUnion verifying false inaccurate information and who are they verifying with since the original creditor, XXXX XXXX, has no record of them contacting them regarding this account. 

I recently had a name change, but prior to my name change I disputed this account multiple times under the name stated on the attached letter from the XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

A payment was submitted to the loan servicer in XX/XX/2023 in the amount of {$170.00}. The loan was transferred from Great Lakes to Nelnet. In XXXX, XXXX, and XX/XX/2023 I contacted Nelnet asking for the credit of the XX/XX/2023 payment ( which of course impacts principal/interest allocation- this payment should have gone 100 % to principal due to Covid deferment ). Of course in XXXX when student loan payments resumed, this missing XXXX payment impacted the distribution of payment. On XX/XX/2023, during a phone call with Nelnet, the representative acknowledged that Nelnet had the money in a holding account and just has not had not yet credited account. It has been six months that this payment has not been credited to the debt.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

My vacation 's last day was traveling from XXXX to XXXX. Since my original city was XXXX, I arrived in XXXX late. I went online to make a reservation for one night. I found a XXXX XXXX XXXX XXXX. for XXXXXXXX XXXX  per night. Everything was according to my plans. I paid for the hotel ; the system generated a booking number. Upon arrival at the XXXX XXXX, no reservations were under my name. I have to pay again. Later, on my credit card statement, I found a charge on my account under my email address. This is a fraud, and Barclays credit card was informed about the charge using my email address. They credit it for 30 days, and on XXXX XXXX, XXXX they put the charge back on my account. Barclay Credit Card company did not cooperate with this issue. And I need to address this issue with the appropriate authority.
Consumer complaint received 2019-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Hi I have been on a mission to help women in Danger from XXXX in XXXX XXXX, from XXXX to XXXX. My mission ends XXXX I do not owe a debt to LVNV Funding LLC/ XXXX XXXX XXXX. I have credit alerts and not one account should be open without a phone call or some kind of permission or alert. I did not sign a contract or give any ID I did not go into any agreement for a credit card or any account with this company. I did not Authorize anything. as I am living out the country. Please remove this again for the 2nd time.
Consumer complaint received 2019-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I lived with XXXX XXXX back in 2016. He got a credit card and put my name on his account which he got a card for me under his account. He said he would take care of all payments the address on the account is his. XXXX lives at XXXX XXXX XXXX XXXX Illinois. I Moved out gave him his card with my name on it. He apparently didnt pay the bill like he said he was going to. Now its showing up on my credit report. I have no idea what the account number is or was and have none of the bills because they were in his name and went to his address. I dont feel I am responsible for his actions. Please remove the delinquent account from my credit report it is XXXX dollars I believe. And is to capital one credit card company. Thank you XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I submitted a Defense Borrow Application # XXXX Received an email that a lawsuit XXXX v XXXX and XXXX XXXX XXXX is docketed for court. The loans from the schools i enrolled in are not mentioned on the lawsuit and I am being charge responsible for repaying loans I did not use. Over 50,000. I attended one school and graduated. The other schools on my Navient account the funds should of been refunded back to the Department of Education/FAFSA. Instead the funds were sent directly to the schools and not returned after I un-enrolled. This is FRAUD. And I do not owe all this money Navient is stating. There should only be one borrow on my account. And the other should of been resolved once Navient seen I no longer attended the school. There chain of command is screwed up no one is properly addressing consumers account, issues, return to school, exit the school. That's what the exit counseling is for and it gives no validation. Navient or DOE is ripping us off.
Consumer complaint received 2022-10-27
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: CITIBANK, N.A. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name THD/CBNA Account # XXXX Account Name THD/CBNA Account # XXXX XXXX XXXX XXXX XXXX  XXXX A. States i Have The Right To Privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXXXXXX XXXX. 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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. 

XXXX XXXX XXXX A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and THD/CBNA has violated them all they sold my information to a XXXX party service XXXX XXXX XXXX XXXX without consent and I am being XXXX and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a XXXX must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (FL)

I went online to purchase a car through carvana. I paid insurance, down payment, and a shipping fee on a car that didn't need to be shipped was in XXXX the entire time. A week and a half in after having my first appointment rescheduled they contacted me gave me XXXX hours to send in paperwork already submitted I was XXXX minute late and the advocate restarted my whole process and the amount of the car went from XXXX to XXXX then they refunded my insurance money, my XXXX down payment but kept XXXX for a shipping fee and I don't even have a car. I have begged them to return my money and they won't when in fact the site claims money back guaranteed. I am not the only person that has paid shipping they try to keep this is a scam they do over and over. All I want is the XXXX I am owed returned.
Consumer complaint received 2023-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MA)

I am filing a complaint against Sallie Mae for what I believe to be an unjust termination of a reduced payment plan agreement and for not providing full disclosure regarding the limitations on the number of reduced payment plans available to a borrower over the lifetime of their loan. 

Details of the Complaint : Agreement Breach : I entered into a reduced payment plan with Sallie Mae, which was supposed to last for XXXX years after making XXXX qualifying monthly payments. 
I made the first qualifying payment as verified by my bank statements. 
Despite this, I received a notice from Sallie Mae the following day stating that I was removed from the payment plan for failing to make the first payment, which is factually incorrect. The payment was authorized on the day of the agreement was signed ( XX/XX/XXXX ) and the payment was cleared within XXXX hours. 

Misrepresentation and Lack of Disclosure : Upon contacting Sallie Mae, I was informed for the first time that a borrower is only entitled to two reduced payment plans over the lifetime of their loan.

This limitation was never disclosed to me at any point during my loan agreement or while setting up this recent payment plan. 
The lack of disclosure and subsequent use of this undisclosed policy to terminate my payment plan constitutes misrepresentation. 

Impact : This unexpected cancellation of the payment plan has caused financial distress and uncertainty regarding my loan repayment strategy. 
The misinformation and sudden policy enforcement have also led to a lack of trust in the loan servicing processes of Sallie Mae.
Consumer complaint received 2023-02-21
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. (NY)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have no idea why these are reporting on my credit file please remove inaccurate information or face fines Transunion is already liable to pay over XXXX XXXX dollars because of fraud and inaccurate information.
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

My XXXX smartphone, cash and social security card was stolen from my residence on XX/XX/2023. The person who stole the phone then used my phone to make four unauthorized transactions on Cash Appbfor {$220.00}, {$280.00}, {$100.00} and {$140.00} totaling {$740.00} to their Cash App account. I sent a message to Cash App support via chat because they were closed via phone support because business hours from my son 's device that evening to report the unauthorized transactions. I called first thing XX/XX/2023 and they immediately said my dispute was denied after their investigation but there was no investigation. I have repeatedly reopened this dispute and have provided more than enough documentation to support my claim. I have provided a XXXX XXXX XXXX Police Report as well as report with the Federal Trade Commission. I have pressed charges and the person who is responsible has been charged with Identity Theft-felony. That was my rent money and we are now facing eviction. Cash App has mislead me but I didn't realize that was what they were doing until later. Nobody will help me at Cash App and there is no head department to report to. Thanks.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

" Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

On XXXX XXXX I file a dispute with XXXX requesting that a Bankruptcy case # XXXX that was showing on my credit report, On XXXX XXXX I received a letter from XXXX XXXX stating that the bankruptcy was verified as accurate I contact the United States bankruptcy court. and went in person and the clerk gave a letter stating that the court does not report any information to the credit bureaus, and they do not verify or validated any information. XXXX XXXX Lexisnexis are in violation of 15 U.S.C 1681 ( I ) A for failing to conduct a proper investigation. please see Exhibits & Documents.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello, I am finding out about you all after some research on the web. I have been dealing with Wells Fargo for about a year now for a big purchase on my card. 

I contacted the Wells Fargo team and told them about unknown charges on XXXX/XXXX/2022 for {$650.00} at XXXX and {$39.00} at XXXX XXXX. I told Wells Fargo I had lost my card and found it later that day with security not thinking my card was used since it was still in my wallet when it returned to me. I let them know that I am mainly worried about the {$650.00} charge and they told me they would get back to me. Months went by and I contact them again they tell me they are still investigating. More time went by, another call, and I was told I will not be getting a refund since my card pin was entered. 

When telling Wells Fargo about this charge I let them know that I do not shop at high-end stores and to please check my account and see that this is an unusual charge. I was told since the pin was entered in I will not see my money. Please help.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

Sometime between XXXX  XXXX, 2019 and XXXX  XXXX, 2019, both of my XXXX XXXX credit card accounts were removed from my Equifax credit report. This was done without my permission and has dropped my score by over 60 points. I am still an authorized user on both accounts so both should be listed on my account. This has seriously impacted my life as I was in the process of applying for a home loan. I will be seeking financial restitution in the amount of {$2000.00} per account for this illegal activity.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: RentDebt Automated Collections, LLC (FL)

On XX/XX/2019 I received a call from an associate of XXXX XXXX XXXX  ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ).
Consumer complaint received 2023-07-14
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/XXXX