davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AR)

I started contacting Nelnet and XXXX XXXX XXXX back in XXXX, when I received my first letter from Nelnet. I initially noticed they had my balance incorrect, so I was able to call and speak with an agent. We discussed the matter, and we sat on hold for XXXX minutes why she escalated the call. Eventually she said they need to futher investigate and would be in touch. She also recommended I contact student aid about the matter. I did both and have received no further information nor has it been correct. meanwhile you cant even talk to an agent now.
Consumer complaint received 2017-12-02
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. (MD)

As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, Equifax, XXXX and XXXX and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXXXXXX XXXX Credit Card, XXXX XXXX Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-10
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. (CA)

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXXXXXX XXXX In addition, I am requesting for a copy of the XXXX filed for the charged-off debt. XXXXXXXX XXXX  XXXX must provide this to me, as the consumer, or you will be neglecting to comply with XXXX law. This leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a XXXX as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using XXXX XXXXXXXX if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a XXXX form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a XXXX form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX XXXXXXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

Attempted to deposit {$240.00} at Suntrust authorized ATM ; {$60.00} was returned. Submitted a claim the following day and received a temporary credit of {$180.00}. About two days I ago received a letter that claim was denied. I called the fraud department and asked if cameras were used when investigation was conducted, manager said that he was not the one that conducted the investigation and could not say for certain whether the camera was reviewed. He did advise that I can submit a rebuttal form ; which I did. That process takes 60 days to process. I also requested the documents as to how determination was made.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (TX)

I was financed XX/XX/2016 for a XXXX vehicle for my son, a Dodge Challenger at XXXX XXXX in XXXX, Tx. My son have been driving this car nearly 45 days. The financial institution was Regional Acceptance Corporation we were preparing to make a payment this week and now we are told its not financed, all this time has passed and these people have been running my credit without me knowing which has dropped my score tremendously now I may not be able to purchase another vehicle since this has happen my score was XXXX now its XXXX. I gave them bank statements, income statements and award letters when applying for this vehicle. I went back too XXXX XXXX three weeks later because I started receiving letters from others financial institutions turning me down for the same vehicle the Financial Manager told me that I was approved and did n't know why that was happing and not to worry about it he also told me when the payment was due and again that Regional Acceptance Corporation whom I was financed with.
Consumer complaint received 2017-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (WA)

I do not have overdraft protection selected on my account. Chase bank went ahead and let XXXX withdrawal automatically from the account. on XX/XX/XXXX of {$11.00}. I was then hit with a {$34.00} overdraft fee and that has now been extended to {$54.00} extended overdraft fee.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TN)

I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX, XXXX XXXX XXXX XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IN)

At the start of 2016, I placed credit freezes with all XXXX credit reporting agencies. I was given 'pin ' numbers in order to set the freezes up. Now I want to apply for additional credit and a car loan. I placed temporary credit lifts with XXXX and XXXX with no problems. However, Equifax refuses to temporarily lift my credit freeze. They want me to send them my credit card number for payment. This service is supposed to be free here in Indiana. They are saying it is free for 'protected ' individuals only. If this is so why did the other XXXX agencies lift the credit freeze for free. For your info I am a XXXX individual. I have been in contact with Equifax continually to no avail. They are deliberately holding me hostage to this credit freeze until I pay them. This is extortion.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Equifax, XXXX, and XXXX. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MA)

I am attempting to close my deceased brother 's checking account. 
I was told I needed to appear in one of their branches with the death certificate. I live in XXXX, the bank is centered in XXXX. I flew there and did as requested, but did not yet have testamentary letters appointing me the personal representative for the estate. The banker who helped me told me because it did not transfer to me on death I needed to come back to a branch in person with the testamentary letters when I obtained them. 
I have handled both my mother 's and brother 's estates. In every other case with a financial institution there was an option to handle this remotely. 
The fact that they want me to fly there again, rent a car, and visit a branch in person when I 've already done so once with the certified death certificate, and they took a copy of my government ID seems ridiculous to me. 
I have the testamentary letters now, but do n't understand why there is no option to handle this without a personal visit to one of their branches.
Consumer complaint received 2017-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/XXXX, before my incident with Chase bank, my husband realized that we had been hacked somehow. Someone opened an XXXX charge in his name. They charged {$1.00}, then {$100.00} and got away with it. They were trying to charge another {$2600.00} when I received a call from XXXX asking me if I authorized this charge. I did not and working with my husband XXXX helped him clear everything up. Because of this I proceeded to call all of my credit card companies as well as my bank, Chase. I personally spoke to all representatives and let them know what happened and to place all my accounts on high Fraud Alert, personal and business. On Saturday XXXX/XXXX/XXXX I received a txt from Chase asking me if I authorized a transfer of {$4800.00}. It gave no account information, no information as to who the money was to be transferred to, nor a phone number to call if I needed help or thought this was an emergency. It simply stated to txt back 1 for yes and 2 for no. As soon as I saw the message I promptly txted back 2 for no. Since it was later in the day/after banking hours and tomorrow was a Sunday and I was traveling in Wisconsin at the time I had to wait till Monday to check my accounts. Since I had called everyone and spoke to them personally as well as txting back 2 for no, I felt that I was safe and protected. I was given no further instructions from Chase with the original txt nor received any other txt messages concerning this. On Monday morning XXXX/XXXX/XXXX I opened one of my chase accounts and saw that in fact Chase had transferred with XXXX Quick pay the {$4800.00}. NOTE : I did not have XXXX Quick Pay set up on my account. It stated that Chase transferred {$4800.00} to a XXXX XXXX. As well, at the same time someone by the name of XXXX XXXX was asking Chase to transfer another {$4800.00} via XXXX Quick Pay to them via another Business account I have with Chase. They did not let that go through, I did not receive a txt about that, the transfer was blocked by Chase and was cancelled on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX Chase has not refunded my money to me. I have filed a police report with the XXXX Police Department, a fraud report with Chase, an FBI report and now a report with you, the CFPB. According to Chase they have it being reviewed with their Fraud Department, expedited. Again, as of XXXX/XXXX/XXXX I have not received my funds back. I would like to stress that I did everything possible to let Chase know we were having problems. I personally spoke to a representative at my branch to let them know. I did not have XXXX Quick pay on my account nor do I have a history of using XXXX XXXX Pay with that account. And most importantly I txted back 2 for no. Again, given no further instructions from Chase I thought I was protected. Chase appears to be making no efforts to return my money.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (WA)

I submitted an application to my lender, Nelnet, to repay my loans according to my income. I submitted all of the proof of income information required with the application, STAPLED to the application. Weeks later Nelnet emailed me requesting all the information that I had already supplied, I am basically homeless, getting check copies and applications printed out was an enormous task in the first place, and to have them ignore the fact that I had ALREADY provided the required information caused me to lose confidence in the process. I had XXXX major surgeries last year, and have never been able to acquire a full time salaried position after graduation in 2007, even though I have a XXXX degree. I was evicted from my home last year after my first XXXX, an XXXX, everything I own is in a storage unit. I am barely surviving in my current circumstances, getting my student loans on a fair payment plan is critical to my future. I do n't have faith in my lender to do right by me, so I have basically given up. I feel as if I am buried in a very deep hole and there is no way to get out.
Consumer complaint received 2023-10-26
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (ID)

I had a XXXX balance on a XXXX XXXX / XXXX card. Called to cancel asked the lady on the phone to cancel the account no less than XXXX times. At the end of the call she said it was closed and I hung up. Now on my credit report it shows I owe {$230.00} due to there exorbitant fees.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (KS)

I am writing to file a formal complaint regarding attempts by a debt collection agency to collect debts that I do not recognize or owe. The collection agency has failed to provide adequate validation or confirmation of the legitimacy of these debts, yet they continue to contact me. 

Despite my attempts to resolve this matter and obtain proper verification, the debt collector has not provided the necessary information to substantiate the debts. I believe that the actions of the debt collection agency are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in 15 U.S. Code 1692c, debt collectors are prohibited from communicating with a consumer regarding a debt at an unusual time, place, or manner that the consumer has indicated as inconvenient. Additionally, communication must cease if the consumer has informed the debt collector that they refuse to pay the debt or request that communication stop. I believe these rights are being violated in this case. 

I request that the CFPB investigate this matter to ensure that the debt collection agency complies with all applicable federal laws and that my rights are fully protected. I also request that further communication from the debt collector cease unless they can provide full and valid confirmation of the debt.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

This is really alarming, I recently checked my credit report and I have found numerous credit inquiries which I believe to be fraudulent as I neither recognize them nor have applied to them. It's giving me undue stress and anxiety as I might already be a possible victim of identity theft, these seemed to have been done online and I'm still wondering how these companies managed to access my credit report and you placing this on it.
Consumer complaint received 2024-10-09
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. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 informationisinaccurate.