davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  consumer report on the date of that inaccurate negative account. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ). 
I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
Wanted to say keep sending good vibes bro ano 1 am giving Your company the opportunity to make this matter right by heightsestatescare.org way of the following : Respect by XXXX XXXX REMOVE ACCOUNTS LATE PAYMENTS Help me REMOVE INQUIRIES They also said it was accurate it wasnt cause I paid the balance and it still affected my credit.
Consumer complaint received 2024-09-04
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: U.S. BANCORP (CA)

I am submitting this complaint regarding an inaccurate credit reporting issue on my Home Equity Line of Credit ( HELOC ) account with US Bank. This incident marks the first delayed payment in my XXXX credit history. 

I have been a customer of US Bank for over four years, always ensuring timely payments, as my HELOC account is set up with automatic payments. However, while I was traveling outside the country, the automatic payment scheduled for XX/XX/year>, was returned due to insufficient funds in my US Bank checking account. Unfortunately, I received no email or text communication notifying me of this issue. 

I became aware of the missed payment at the end of XXXX, when a friend who was checking my mail sent me a screenshot of a letter from US Bankafter the 30-day period had already passed. Despite this, I immediately logged into my account and made a payment of {$1500.00}. However, the payment was posted on XX/XX/year>, and was consequently reported as delayed to the credit bureaus. 

I also sent a formal request via postal mail to US Bank, asking for this delay to be waived and for the reporting to be corrected, but I have not received any response yet. 

Given the circumstances : I was traveling internationally and did not receive timely notification from US Bank about the failed payment. 
I took immediate action to make the payment once I became aware, well within the 30-day mark. 
This is the first delayed payment in my entire XXXX credit history. 

I respectfully request that US Bank correct this error and remove the late payment from my credit report to prevent further damage to my credit score. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX I disputed this debt with the company after seeing an amount of {$830.00} on my credit marked as opened on XX/XX/XXXX. I have NOT done business with this company ever or in the past 2 years. I asked them kindly to provide documentation on this debt. I didnt receive information that I requested. It has been complete radio silence. I disputed them again on XX/XX/XXXX and again, received no line of communication. This is NOT my debt and they have not provided one document!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NV)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

In XXXX I was granted at borrower 's defense loan discharge. I was told that I would receive a refund for any payments made I made on my loans. In XXXX my service provider, Great lakes, transferred to Nelnet. I never received a refund. I have been calling Nelnet, who sent me to borrower 's defense, who sent me to the department of education, who sent me student aids voicemail box. I have Left multiple messages and have not heard back. On my studentaid.gov dashboard, I still have " processing discharge '' and no further information. Please help me.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (KY)

I wrote some checks that I ordered from XXXX XXXX for my Wells Fargo checking account. The checks did clear and posted to my account. On XX/XX/year>, the checks disappeared from my bank statement and I called my bank which was Wells Fargo asking for help. The call center agent was very rude and unprofessional and not helpful at all. She was like, " You can't write checks with this checking account '' and refused to help me resolve the issue. I asked for a manager and the manager was also very rude and unprofessional with me on the phone and had an additude. Even the senior agent refused to transfer me to someone else who can help and was told the same thing again. I asked them again what I should or to walk me through getting a new checking account set up with this bank or walking me through the website or my account online to get my checking account updated so I can write checks. The agent and senior agent refused to, acting very rude and hostile with me on the phone and rushed me off the phone. I am in XXXX KY and the nearest Wells Fargo branch is in XXXX VA over XXXX miles away. This behavior from their call center agents is not okay and needs to stop. I am now going down the street to my local credit union to open a a checking account with them due to their disrespectul behavior with me on the phone. If I have a checking account, I should be able to order checks and write them. It should be illegal that you can open checking accounts where the bank won't allow you to order checks and process them for payments. Now I am out of money from XXXX XXXX since they won't give refunds.
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (DE)

I am writing to file a formal complaint against Credit Management LP, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

On XX/XX/year>, at approximately XXXXXXXX XXXX, I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report within 30 days. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. Not only that XXXX, and XXXX should face consequences as well for allowing the fraudulent accounts to be placed without proper due diligence. 

Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 

Attached is a letter from this collection company stating there wrong doing and also saying they would remove the account but they did NOT and have not mentioned anything about paying me for the heart ache this has caused as I was denied for my house recently due this error on their behalf! 

Given that it did not take 30 days for Credit Management LP to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DRB-40, LLC (TX)

I paid off ( paid in full ) my loan with XXXX  # XXXX a fraudulent loan in my name was somehow set up. I called XXXX and complained. Attached is the emails I received from XXXX. I am filing a Police Report, however the report is being filed late. I have XXXX collection Agencies trying to collect on this fraud in different amounts. XXXX the " XXXX XXXXXXXX XXXX, XXXX Original Creditor XXXX  # XXXX, current XXXX XXXX XXXX XXXX in the amount of {$XXXX}. And the second XXXX XXXX XXXX  amount {$XXXX} settlement Offer {$XXXX} case # XXXX. 
Two collection companies trying to collect on a fraudulent loan in different amounts. 

THIS IS NOT MY LOAN, AND I AM NOT GOING TO PAY IT. 
A XXXX XXXX XXXX gained access to my checking account and reversed payments I made and tried to say it was a loan. Copies of my bank statement showing the reversals and his emails are attached.
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF OMAHA (KS)

$ $ was taken out of our checking account without our authorization.. {$71.00} was taken by XXXX, XXXX XXXX hwy XXXX chattanooga, tn XXXX on XXXX did not authorize this. i called my bank, first national bank of XXXX and reported this..they said that they would initiate an unauthorized debit report and dispute this. i also called XXXX. they said that they had authorization to debit my account. i assured them that they had no authority to do this. they said that they would credit the amount back into our checking account..
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company (GA)

My name is XXXX XXXX, why is any lenders transferring Refinanced loans to Freedom Mortgage Corporation if there is a recent lawsuit in XXXX and in XXXX over their XXXX data. My home was refinanced through XXXX XXXX with loan XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Freedom Mortgage Corporation effective XX/XX/XXXX. I do not want my mortgage with this company. Freedom Mortgage Corporation should not be allowed to service anything with all the complaints and being a repeated offender. This is to protect the consumer, so why is that this company is allowed to assume any loans for any consumer. How can I get another lender before the assumption date. This is not fair to the consumers that we do not have a choice when it comes to everyone getting involved in the transfer except the consumer until after it is done. 

Thanks XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

I was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over 10 Fraudulent accounts appear on my credit report. I have 3 reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 

Jefferson Capital Systems XXXX
Consumer complaint received 2024-09-02
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: GOLDMAN SACHS BANK USA (TX)

30 plus charges keep showing up on my credit card statement. I've disputed 5 times now. I'm in a loop where they keep coming back but no proof that they are my legit charges. Customer service is very poor and employees only read scripts of what they can do .... start another dispute. I've asked for someone in upper management, but they can not give me anyone else to help. I've given them information about the company that anyone can look up about utrtin.com. XXXX them and only the website comes up ( but it's down today ) ... type in " XXXX XXXX  '' and you see a couple pages saying it's not high on their " trust '' meter as a trustable website ( the 2nd website is in another language ). There is no other website that you can type in google and not get XXXX results.
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NM)

I submitted my school misconduct forms for my private student loans to Navient on XX/XX/XXXX. On XX/XX/XXXX I received an electronic communication that my application was denied, no reason listed. I attended XXXX XXXX in XXXX - XXXX the school defrauded me by falsifying claims about jobs I would secure after graduation, salary I would make, my credits earned at XXXX would transfer to any college, no allowing me to review my loan paperwork only pressured me to sign my paperwork or I wouldnt be allowed to attend school. My case was proven in the federal borrowers defense case and my federal loans were forgiven. Navient refuses to state why my school misconduct request was denied, I have proven I was defrauded by XXXX XXXX, I also submitted the paper from the federal case that proved I was defrauded and my federal loans which were also serviced by Navient were forgiven. Navient refuses to give me any details about my request.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

Between XX/XX/XXXX and XXXX, XXXX, I made online donations to XXXX charitable organizations in the total amount of {$720.00}. When the Citibank credit card statement came, names and dollar amounts of these transaction were correct. 

XX/XX/XXXX, getting ready for tax preparation. I looked at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX receipt for year, the XX/XX/XXXX gift was not included. I called XXXX. They had not received the money. I called all XXXX. All confirmed they did not receive the donations. I called the number on credit card. Was told to call and file claim. Which I did. 

XX/XX/XXXX. I received letter asking for a list of merchants names, dates, and dollar amounts which I sent XX/XX/XXXX. I received a letter saying too much time has passed since billing date.., and I need to contact merchants directly. Which I did. This is the second time merchants confirmed the donations. 

XX/XX/XXXX. Citibank sent a letter for each merchant saying they needed a valid credit slip. There are none. I gave on line where you dont necessarily get one and merchants never received the money so they didnt issue receipts. 

XX/XX/XXXX. Citibank sent blank forms on each merchant asking for information about my contacts with merchants. I completed forms and mailed them overnight to bank. 

This has been going on for five months now. Ive done everything Citibank employees have asked of me. The fact remains : Citibank misappropriated my money. They also did not disburse funds as directed. This is a bank error.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P. (IN)

While at work, I received a fax from XXXX XXXX XXXX. This fax did not just go to me, this fax went through the company and hit my XXXX Managers desk as well as my Head of IT. This is very embarrassing as they claimed that i have requested for a payoff of the account. I have not as i have a payment plan already currently in place for them. They auto debit my account once a month. 

This is very embarrassing and could hold repercussions on my position within my company. I have placed a call to the company however have not been able to get a return call to direct my complaint.
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

XXXX XXXX Had Already sent me a letter stating that this amount was not owed and had been removed from my Credit report. Radius Global Solutions continues to add this debt to my credit report and send me letters attempting to collect the amount listed on the letter. I currently do not bank with wells fargo. The amount Radius is trying to collect was in regards to overdraft fees which XXXX XXXX had already been court ordered to remove from any accounts. This is not the first time I report this business for the exact same thing.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Resurgent Capital Services L.P. (IL)

I have paying off debt slowly and have even invested in the XXXX XXXX and my credit is still being denied. I lost my job during XXXX and I have had a really hard time finally getting caught up with debt. I get denied with credit application, some of my hits are old and should not be held against me anymore.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation (MI)

The credit card company ASPIRE wants documents from me that I dont have since I dont even have that credit card and I didnt sign up for it but somehow someone else did and used my personal information to do it and then finding out that the Aspire Credit Card is a scam and a fraud since they have been doing fraudulent business practices and putting fraudulent charges on customers credit cards and that company is through XXXX XXXX XXXX XXXX plus I was told on the phone when I called them last year back in XXXX since I was having problems with them and them lying to me more than once and I kept on calling them until one of there people talked to me and told me that I didnt owe anything on that credit card since it was paid off but they sounded really scared by telling me the truth and then I was transferred to another person and they told me the opposite of what the person that was scared told me plus I told the XXXX  about it and XXXX XXXX  and other bureaus and I left a comment on the XXXX about that business until I seen on that a response and they said the Aspire credit card company responded and said that they dont even have a credit card and they only do student loans and that isnt true since I looked up that company and sure enough that credit card company did have a credit card. Also there is another company just like them called XXXX  and they have been doing fraudulent business on a credit card that I do have but this credit card isnt supposed to have any annual fees or other fees on it only the late payment is supposed to be on it and they have been putting fraudulent charges on it with other fraudulent charges as well and making it look like I used over {$800.00} on it and that isnt even true since I have been paying on it my minimum payments and so far I paid them around {$200.00} or more and that is just an estimate of what I have been paying them since my minimum payments are between $ XXXX {$56.00} a month and that is what I have been paying that credit card and so far that credit card is paid off but they are continuing to put fraudulent charges on it that shouldnt be there and I did get a hold of them through there email address and they are still doing nothing about it and I did let XXXX XXXXXXXX know that since that credit card was on there website app and it said on it that it didnt have any annual fees on it or deposits and it was for people with less than better credit and it said that on the XXXX  credit card website application as well and so far I am still being charged fraudulent charges on both credit cards and I would like for police enforcement to go after these scam and fraudulent companies since the credit card companies are refusing to change it please and thank you!!!!!!!!!!!