davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AR)

Jefferson capital systems XXXX XXXX XXXX XXXX XXXX, MN XXXX is trying to collect on a old sprint account that they say I owe without ever providing any proof they added this to my 3 credit reports. I have never received any correspondence from them and as far as sprint I was a loyal customer for 15 year 's and always paid my bills on time and when they where bought out I took my business to XXXX XXXX XXXX. They have never provided me with any proof of this debt that they say I owe even after I've disputed it multiple time 's on all of my credit reports. I would like this removed if they can not provide proof that it is a valid debt that I actually owe. I have tried to log in to there website to actually see what it is that they say they have but you have to have a account number which I do not have because they have never contacted me. I do not believe that this debt is valid and would like proof or have it removed immediately.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The following account was disputed with the bureaus directly. I supplied them with the payoff letter provided by the creditor once the account was paid off as agreed and they still refused to revise the inaccurate information. This account was paid in full via automated payments directly debited from my bank account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Marked as charge off when paid in full letter attached
Consumer complaint received 2024-06-28
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXXXX/XX/year>
Consumer complaint received 2023-11-21
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)

Nelnet has XXXX quality control over its auto-payment infrastructure and undoubtedly has already caused hundreds if not thousands of borrowers significant financial hardship. 

My loans were transferred to Nelnet without my consent ( another issue for another time ), and Nelnet has been incompetent in maintaining my auto-debits. The first issue is that the auto-debits amount changes every month. This means that, in order for my desired debit to occur, I have to go into their outdated and under maintained website to adjust my debit amountdefeating the purpose of an auto-debit. 

Significantly more troubling, however, is the inability to maintain a consistent auto-debit date. To begin, the only way to adjust the debit date is to call the company. The last time I called Nelnet for this purpose I was on hold for over XXXX and a half hours. I have also tried contacting them via e-mail to adjust the date but have never once received a response. I was able to adjust my auto-debit to the correct date over the phone and it was properly taken out for exactly XXXX month. However, immediately after this payment, the auto-debit date reverted back to the original debit date, which was later in the month resulting in XXXX debits occurring in the same month. Mind you, I pay over twice my minimum payment each month, so it is not an issue of me underpaying. 

While I am fortunate to be able to afford to pay for their utter incompetence, lack of basic customer service skills, and in likelihood fraud ; many families around the country are not. It is my genuine belief that Nelnet is a fraudulent company, and I believe that further investigation into their predatory practices will uncover more sinister schemes.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Lies, lies and lies are used by CITIBank. After they tortured me inside of my account blocking my settings, in the end of the day CITIBank falsely claimed that I am using a wrong password to prevent me to come up with some other action. 
My XXXX  and XXXX  state got damaged by outrageous CITIBank repeated fraud. I warned every agent that I am going to complain to the CFPB and it doesn't bother them. It is nothing for them if the client gets harmed by their unfair practices. A team of liars were picking my calls yesterday XX/XX/2024 and brutally denied to allow me to use my money, made fun of me, look like I am a fool and used their abuse of power removing XXXX and PLAID enrollment for transfer and payments. CITIBank employees were making all kinds of obstacles and finally at the end of the day, blocked my account falsely claiming that I am using a wrong password ( email attachment ). It got so outrageous, because when no small crime gets noticed, it grows to a bigger crime. CITIBank deleted every single request of my actions ( attachment ). First they unlinked my account with XXXX without even notifying me. I wanted to reinstate it and they did not allow it ( attachment XXXX a XXXX ) CITIBank silently denies my every action and removes it silently without notification. I spent all day long yesterday being tortured by CITIBank. I am asking for an appropriate investigation that CITIBank discriminated against my rights to use my money and retaliated against my persistence to use my rights and my money. CITIBank behaves as a XXXX  XXXX. The only thing CITIBank has is coercion.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CT)

Began receiving collection notices XX/XX/year> from Jefferson Capital Systems for XXXX account ending in XXXX. Never received late notices from XXXX after numerous requests by phone to send to me. Jefferson Capital Systems file # XXXX began sending notices and made repeated harassing phone calls after asking for XXXX confirmation of account, detailed info requested, XXXX asked to stop all harassing calls. Told me that my credit would damaged, they would contact my employer ( I'm on soc sec XXXX no employer, they would contact my landlord and inform them of debt ).
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and was checking out to purchase XXXX pairs of shorts and XXXX shirt. The items were not priced correctly and the amount was incorrect. The sales associate told me input my phone number on the screen. She said, " For you, I can give you 35 % off, just put your phone number and complete the questions on the screen. '' She continued to distract me by speaking about the economy and free gas. Once I completed the information on the screen ( which did include my personal information and social security ), I thought I was getting the discount. However she handed me a receipt and said " Look the shorts were free ''. She never mentioned to me that I was apply for credit, nor did she indicate that this was an application of any kind. All she mentioned was that it was " free. '' She also said that I had {$800.00} to spend all day and it's " free. '' I didn't realize that I had since applied for a credit card for XXXX XXXX This is unfair and deceptive practice.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

XXXXRe : Equifax Credit Report of XXXX XXXX XXXX, XXXXI need your help to increase my credit score to where it rightfully should be so that I can qualify for better interest-rate terms. Currently, the credit reporting agencies are inaccurately reporting on my mortgage debt. I believe this adversely affects XXXX consumers ' credit scores ; and by design or not, greatly benefits the financial industry by their being able to justify charging consumers higher interest rates on consumer debt. 
Since XX/XX/XXXX I paid my mortgage on time. But the credit reporting agencies do not reflect reality. In fact, there is no history of me even having a mortgage prior to XX/XX/XXXX. This is inaccurate by omission. 
Paying one 's mortgage on-time for 15+ years is one of the best things to do to increase one 's credit score to qualify for record-low interest rates. 
My Equifax credit report does not show or give me credit for 15-plus years of paying my mortgage on time. Instead the only mention of my mortgage is a two-month period from one mortgage-service company in XX/XX/XXXX. And another 2-year period of on-time payments from another mortgage service company from XX/XX/XXXX-XX/XX/XXXX. That 's it. 
To remedy this error that has already cost me tens of thousands of dollars in higher interest rates and will continue to cost me in higher interest rates until this is corrected, I want the credit reporting agencies to report that I have paid my mortgage on time since XX/XX/XXXX. 
Thank you so much.
Consumer complaint received 2024-06-09
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: Experian Information Solutions Inc. (LA)

I am submitting this complaint after noticing unauthorized inquiries on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-11-21
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. (MD)

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 information is inaccurate.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I submitted paperwork according to the FCRA to remove fraudulent accounts from my credit report. The FTC report and other paperwork is not being attached to my disputes properly according to the FCRA. I am not getting copies of the verification process which is a violation of the FCRA These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I have sent copies of the FTC report and letters from the banks saying that these accounts are not mine. The accounts are still on my credit report. They are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (FL)

I have called MAriner and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, XXXX and XXXX.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I bank with USBANK. There was an unauthorized XXXX transition for {$2300.00}. I contacted USBank fraud liaison immediately ( same day ) of this fraud. Two weeks later they stated my request was denied. 

Need a refund for full amount.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The following letter was mailed to XXXX on XXXX XX/XX/XXXX, no response has been received and accounts remain on credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to inquire about a discrepancy that I have noticed on my credit report concerning an account with XXXX XXXX. According to my credit report, XXXX XXXX is reporting an account in collections, despite the fact that the account has never been in collections. 

The account in question is under the account XXXX XXXX which was active in XXXX. I closed the account when I changed duty stations and promptly paid the full balance owed. Upon attempting to reactivate my phone, I discovered that XXXX had placed a lock on the device due to a supposed final bill on the account. I immediately visited a XXXX location and settled the outstanding balance as instructed by a XXXX representative. At no point was I informed that the account would be sent to collections, nor did I make any payments to a collection agency. 

It is concerning to me that despite paying the final bill in full and closing the account, it is now showing on my credit report as a closed account in collections for the same month I made the payment. Furthermore, there is only one term with no payment history associated with this account, which does not accurately reflect the situation. 

Therefore, I am formally requesting that this discrepancy be rectified immediately. I kindly ask that XXXX removes the account from all credit bureau reports where this inaccuracy has been reported. I trust that you will take swift action to resolve this matter and prevent any further impact on my credit score. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of this discrepancy at your earliest convenience. 

Sincerely, XXXX XXXXXXXX
Consumer complaint received 2024-06-09
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: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

I requested the removal of these two addresses over 30 days ago. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NJ)

This account was opened on XX/XX/2023. I received statements and immediately faxed and mailed every statement stating that this was not my Account, please forward to the Fraud Department and/or provide documentation to substantiate this account. I also filed a Dispute online on their website on XX/XX/2023. They never responded to that dispute. All they did was continue to send statements. They in turn sold the account. 
Now I have received 4 Fraud Letters and to contact the XXXX XXXX XXXX and to put a statement on my Reports.
Consumer complaint received 2024-09-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: World Omni Financial Corp. (GA)

On XX/XX/2024, while shopping for a vehicle, XXXXXXXX XXXX XXXXXXXX assured me that, while reaching out to potential lenders for an auto loan, any inquiries would be SOFT inquiries. As it happens, they were not. I decided not to take out an auto loan and purchased the vehicle outright. Upon later checking my XXXX  files, I learned that the XXXX of XXXX credit department had sent my credit information to several potential lenders listed below : 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 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

FCRA Section 609 guarantees that consumers have the right to obtain a copy of their credit report from credit reporting agencies like Trans union, and XXXX. This provision allows consumers to request their credit reports, typically once every XXXX  months for free through AnnualCreditReport.com, or upon request for a fee in certain circumstances ( except in certain cases like identity theft or fraud ). 
If XXXX is refusing or failing to provide access to your credit report, either online or through other means, they may be violating your right to access this information as outlined in Section 609. 

[ TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX I have tried several times to obtain my current report online through annualcreditreport.com as well as their website and form with copies of my ID to no avail.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

FCRA Section 609 guarantees that consumers have the right to obtain a copy of their credit report from credit reporting agencies like XXXX XXXX, and Equifax. This provision allows consumers to request their credit reports, typically once every 12 months for free through AnnualCreditReport.com, or upon request for a fee in certain circumstances ( except in certain cases like identity theft or fraud ). 
If Equifax is refusing or failing to provide access to your credit report, either online or through other means, they may be violating your right to access this information as outlined in Section 609. 

[ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX I have tried several times to obtain my current report online through annualcreditreport.com as well as their website and form with copies of my ID to no avail.