davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NV)

In XXXX, I applied for an income-driven repayment plan with Nelnet, expecting to receive updates and correspondence regarding the application 's status. However, despite waiting for a significant period, I received no communication from Nelnet about whether my application was approved, required additional information, or was even being processed. 

To my surprise and concern, I later discovered that my student loan account had been transferred to another loan servicing agency ( PHEAA ) without any prior notice or explanation from Nelnet. I was not informed of this transfer, nor was I provided with any details regarding the new agency, how to contact them, or how this would affect my income-driven repayment plan application. 

This lack of communication and transparency has left me in a state of confusion and concern about the status of my loan and repayment plan. I am uncertain about whom to contact regarding my application, and I am worried that this transfer might have affected the processing or approval of my income-driven repayment plan. 

I believe that as a borrower, I am entitled to clear and timely communication about significant changes to my loan servicing and the status of my repayment plan application. The absence of this essential information has caused unnecessary stress and uncertainty. I request that this matter be looked into promptly and that I be provided with comprehensive information regarding the status of my income-driven repayment plan application and the details of my new loan servicer. Furthermore, I would appreciate an explanation for the lack of communication and steps taken to ensure this does not happen to other borrowers in the future.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im currently in litigation with Bank of America and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these monsters!!! You can see that prior to the false reporting I have mentioned below - I have never had a late payment to Bank of America!!! Ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Shame on this financial Institution for doing this to me.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NJ)

chase complaint 3 DAY DELAY IN ELECTRONIC FUND TRANSFERS IN EACH OF 3 TIMES. 



XXXX I have been having a problem transferring money from XXXX XXXX to CHASE checking account beginning in XX/XX/2023. In each of XXXX instances, dated XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, funds deposited electronically, which should generally be available by the business day after the banking day they were deposited, were not available until five business days later. This transfer was initiated by me on the Chase site. Each time I scheduled funds to leave my linked XXXX, " XXXX XXXX '' account and arrive in my Checking account at Chase. 



Hours of calls were met with sympathetic agents, promising to escalate the problem, however the complaint eventually became closed with no resolve. 



One of Chase 's suggestions was for XXXX to investigate, since they were the sending bank. XXXX did investigate and did get back to me the next day. XXXX 's investigation was complete. They found that after initiation on each of three transactions, the transfer transactions were completed and settled the very next day. I was also informed that the burden of proof regarding the path of the money during the transfers, and why exactly it took five days to accomplish, is strictly on the receiving bank or JPMorgan Chase. 
I asked Chase multiple times to provide the path of the funds from the 2nd to the 5th day and have not heard back with a satisfactory answer, except possible security measures. Further, was not able to reach the research agent via phone or via security email on two different browsers. It seems that the complaint gets to the " research '' department and is lost. 



I would like to find out what happened three times to the funds in the past and be assured this will not happen in the future! 



My last correspondence was with the executive offices. After two more weeks of waiting after speaking to XXXX, I was assured that Chase was operating within the guidelines in the agreement although I asked multiple times at the branch level, at the customer service level and at the executive level, to provide the document referring to timeframes for bank to bank transfers. This was never be provided to me. 



The only assurance given was the contact information for the executive customer service person I spoke to, XXXX. I was instructed to contact her immediately at the next instance of any sign of trouble. 


Various Chase case numbers can be provided upon request. 
XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Chase XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacts XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-02
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. (TN)

SPOKE WITH XXXX SEVERAL TIMES ABOUT ACCTS THAT ARE SHOWING ON MY CREDIT REPORT AS CH.XXXX BK, BUT THESE ACCTS WERE PAID YEARS AGO. IVE SPOKEN WITH REPS AT XXXX ADVISED THEM TO LOOK BACK MONTHS AGO AND THEY WILL SEE THESE ACCT ARE PAID. AND THEY REFUSED TO BE HONEST AND REMOVE ACCTS THAT ARE SHOWING INACCURATE/BK. I HAVE TRIED REACHING OUT TO XXXX XXXX TO RESOLVE THESE ISSUES BUT THEY WONT CONTACT ME BACK.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (GA)

I used a US Bank XXXX XXXX on my XXXX account as payment. XXXX  did an auto-charge every month for their services. On XX/XX/XXXX I notice the usual charge of {$13.00} on my statement, but there was a duplicate charge of {$13.00} onXX/XX/XXXX. One of the charges was legitimate and I made payment of {$13.00} on XX/XX/XXXX. US Bank add a late fee of {$13.00} on XX/XX/XXXX and added {$2.00} interest being the balance to {$29.00} of My XXXX  statement only has one change of {$13.00} so US bank add additional an charge and fees and refused to correct the account. I canceled my US Bank account, and paid the illegitimate balance to avoid hurting my credit score. This bank is stealing money from their clients.
Consumer complaint received 2023-09-11
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (IL)

In 2019 I bought a car from Santander Consumer USA. After one year paying my fees I missed two payments and my car was towed without any prior notice. I was away for almost 3 weeks due to my job and on arrival I got to know my car was sold. The manager informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost 4 years I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor. Amount of alleged debt.
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBK, Inc. (KS)

On XX/XX/XXXX, I checked the XXXX XXXXXXXX XXXX for my name. A debt attempting to be collected by XXXX XXXX is on the XXXX XXXX. I have no idea who this company is nor the debt they are allegeding that I owe them. XXXX XXXX has never notified me of this alleged debt as required by federal law. 

XXXX XXXX XXXX, it entered XX/XX/XXXX for {$170.00}. 

Per the XXXX XXXXXXXX XXXX, " to assure due process, setoff statutes require that the debtor be given the opportunity to appeal the validity of the debt. The debtor initially has the right to appeal the debt amount within 15 days from the date of the notice of intent letter. If an appeal is received within 15 days, further XXXX  procedures are delayed until the dispute is resolved. If the XXXX XXXX receives an appeal request from the debtor, the XXXX XXXX will acknowledge the debtor and will notify the creditor agency and request that the creditor agency and debtor try to resolve the dispute. If the dispute can not be resolved, the matter is scheduled for a formal hearing. '' The XXXX XXXXXXXX program nor the collection agency never sent me at any form of written communication regarding this debt, including a " notice of intent '' letter. 

This collection agency and the XXXX XXXX program are in violation of federal laws and their own ordinances.
Consumer complaint received 2023-09-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Company ( Toyota Motor Credit Corp. ) refused to comply with administrative process letters. Failed to comply with federal, state, and trust regulations. Violated the consumer/beneficiary on numerous counts of fraud and identity theft. Legal action is now in pursuit, and their failure to produce the requested documentation is the reason for litigation. Company is hiding behind a color of law to which does not exist only to due ignorance and unfortunately this isn't that case at hand. The company ( Toyota Motor Credit Corp. ) legal attorneys/lawyers does not in fact represent you in the legal matter nor do they represent me the consumer/beneficiary in this matter. With that being said please do have your defense solid and credible for the record because all communications/telecommunications will be recored for the record due to legal matters. Frankly if the matter doesn't resolve in a financial remedy that's not worth taking to court there might be a chance for settlement matters. But for the time being please be noted that the company ( Toyota Motor Credit Corp. ) holds NO dual power of attorney over my legal fiction or anything regarding the matter at hand. Everything associated with my consumer report is private confidential information not to be traded or exchanged with no one or third parties. Please be advised that all matters are trust related so the trustee 's ( Toyota Motor Corp. & Lexus Financial Services ) at hand are at breach under trustee malfeasance and will be persecuted to the fullest extent of the law. The company ( Toyota Motor Credit Corp. ) failure to comply and or correct the matter will only include more assessed fee 's and penalties in the over all grand total of the fee schedule.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NY)

I am writing to formally report an issue concerning several of my credit cards that have been compromised due to fraudulent activities. Despite my immediate actions to report the unauthorized transactions to my bank and credit card providers, it has come to my attention that one of these accounts has unjustly been sent to collections. 


I acted promptly in reporting the unauthorized activities and cooperated with all required procedures, providing necessary documentation and information to my financial institution. Despite these efforts, the account mentioned above has been forwarded to a collections agency, affecting my credit standing.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
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. (TX)

Companies and credit bureaus refuse to provide proof of alleged debt. Under the FDCPA I have the right to request proof. The credit bureaus and companies continue to refuse to provide proof. These COMPANIES AND CREDIT BUREAUS continue to report these debt false while totally ignoring the laws under 15 USC 1692g SEC. 809 ( FDCPA )
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I received direct Federal student loans when I attended XXXX XXXX XXXX in XXXX XXXX from XXXX. The loans were paid directly to the school for my tuition. 

In XXXX I received information from my original student loan servicer XXXX Kentucky XXXX XXXX ) instructing me that they were no longer servicing loans and were transferring my loans to another servicer, Great Lakes Education. All of this occurred without my request. 

I contacted Great Lakes in XXXX to find out if my balance was eligible forgiveness because that was a condition of the repayment plan I was in ( 20 year forgiveness ) and my loans were near that age. Great Lakes falsely told me that my loans were originated in XXXX and therefore forgiveness was not an option. This is 100 % false. My loans originated only from law school XXXX. 

This year Great Lakes closed and transferred my loans again without my involvement to Nelnet. I have sent Nelnet XXXX emails and have also tried calling. Additionally I have sent email and called the XXXX department of education to correct the information about my loans so I am eligible for forgiveness. No one has done anything. 

I am at the point where I am going to hire a private attorney to sue them if your department does nothing to fix the problem.
Consumer complaint received 2024-01-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MI)

I was offered a XXXX XXXX credit card and I specifically told them I did not want it. Somehow they opened one anyway. I did not get the card. That card was charged for purchases anyway. I called and paid my balance and did not know I was already charged interest. I have tried calling and keep getting different stories about the status of the account. Today my daughter was helping me. We called, I closed the account and paid the balance - which is all interest - even though I do not believe I should owe any balance as I did not want the card in the first place. I am now worried I have been reported late to the credit bureaus. I pay my bills on time and this has been a very distressing experience.