davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATIONXXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Original Creditor : DEPT OF EDUCATION * Amount : {$1200.00} & XXXX * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, 1 have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt.

I kindly request the following actions : 1. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations.

2. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW 1. US DEPARTMENT OF EDUXXXX {$2000.00} 2. US DEPARTMENT OF EDUXXXX XXXX {$1200.00} Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong Accounts are the same and reporting from different companies & different prices thats double jeopardy & invalid pricing NEED TO BE REMOVED FROM CREDIT REPORT ASAP 4 different accounts reporting same matter but different prices and different payments
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I am writing to formally dispute the accuracy of an account being reported on my credit report. 
The account in question is APPLE CARD-GS BANK USA and is currently showing a charge-off status with a credit utilization of 285 % .This information is inaccurate and misleading as it is mathematically impossible to have a credit utilization exceeding 100 %. This erroneous reporting is negatively impacting my XXXXredit score and hindering my ability to obtain credit.I request that you investigate this matter promptly and remove the inaccurate information from my credit report. Enclosed is a copy of my credit report for your reference.I look forward to your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require any additional information.
Consumer complaint received 2024-08-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (CA)

From the beginning the vehicle sold to me was not only a Lemon Sale, I was completely bamboozled from left, to right. I definitely notified the proper parties to see how we can resolve the issues but no one would talk to me directly and the last representative stated " they could have no further contact with me because I threatened to take them to court for selling a lemon vehcle that they knew was broken and really couldnt be salvaged. I made my first initial complaint the end of XX/XX/year>, less than 90 days after purchasing the car. I noticed on my application my credit was ran over 3 different times leaving over 29 Hard inquiries on my credit, they made my monthly payments so high and my actual payoff amount by the end of 72 months i would have paid XXXX dollars on a less than XXXX dollar valued car. When approached about said debt that was on my credit I started getting unwarranted calls and complete different times of the day and night. the debt collectors just kept flagging my credit. they havent sent me any documentation about the now charge off account, they didnt even give me any opportunities to correct anything or tried to fix the issues with me. I have now been getting more calls about this debt that doesnt belong to me. I have suffered beyond hardship, I have been without a vehicle for almost a year due to these false collections on my credit. I have spent way too much money on the vehicle to having no way of compensation.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (FL)

I had a personal account with Wise, out of nowhere they requested verification of my income. I have provided them multiple times with my US tax returns and tax transcripts, they kept denying the documents for no reason. Then they just closed my account without notice. I had over {$3500.00} in my account and I have no idea how to access this money. That is my money that I worked for and paid taxes on and I have every right to this money. The is is outright fraud.
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

I have contacted MDS on XX/XX/XXXX and XX/XX/XXXX. The medical debt is clearly a simple clerical mistake but MDS wants me to file an identity theft police report. 
Debt collecting company has confirmed that the debtor and my address does not match. The dates of birth do not match. First names do not match. Phone numbers do not match. Only thing that matches is the social security number which is clearly a clerical error and not a case of identity theft. 
Balance is {$2400.00}. 
Another thing is that I have never visited the hospital where the bill originates from, or ever been in that area of the state.
Consumer complaint received 2024-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company (TX)

I was put on a medical hardship when XXXX hit. My job shutdown and my wife who has been diagnosed with XXXX no cure horrific XXXX was now in the XXXX XXXX  She no longer can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was forced to become her caregiver XXXX XXXX. We were told that she was accepted at a facility. Get to the destination only to be told instantly she can't stay here. We're not equipped for a patient like her. This happened on XXXX different occasions. I tried are to find somewhere to help me with her so I could get back to work and take care of my responsibilities. In Texas they won't pay a spouse to be the caretaker. Even when no one else would or could.. The mortgage co allowed me to be put on a medical hardship and I reported each month to let them know if anything had changed.. When they put me on the XXXX  month hardship I didn't know they backdated XXXX months of it. I told them that in XXXX she would be XXXX and have been reassured this particular facility would take her long term. She has been there a about XXXX weeks now. Until she was placed I could not do anything more than I had been the situation was worse with her as time passed. Finally placed, I can breath get back to work and do what I did before. The hustle and stress of trying to find help for her was all in vain. It's evident I'm losing my wife, but to my surprise I'm losing everything that is a part of the life I intended to build. The Mortgage Co. wants {$20000.00} before I can resume my payments. I was under the impression those payments is placed on back of the loan. I feel I've been sentenced to death row and hard labor. I don't think they get treated this way and they are there for a reason. I'm so upset that this is devasting outcome when I thought they were on my side. They were not doing anything special, just reading a script.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am submitting this complaint to your company because there is a late payment on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-08-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital Systems is reporting inaccurate information on my credit profiles. They have been removed from my XXXX profile due to inaccuracies of reporting. They have reported this as a joint account and an individual account. This company can not verify accurately the status of the account, nor can they provide original documentations from the ORIGINAL creditor of the loan. If they could they would know that the contract is in XXXX XXXX name ONLY and not mines. As stated XXXX has removed the information from my credit file due to inaccuracies.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX was accused of getting {$220.00} cash inside Wells Fargo Branch. This has been since XX/XX/2024, and as of today XX/XX/2024, and it is still going on. We would like for an Attorney to solve this problem for us. How long does it take for Wells Fargo to solve three questions? Wells Fargo is telling us in every response they are saying they need more time.
Consumer complaint received 2024-08-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (TN)

I owe a XXXX balance This debt was charged off and I never received a 1099C. I need this form to be able to file with my taxes as taxable income. Not doing so has violated my taxpayers rights this form was supposed to be mailed by XXXX.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

I closed a TD Bank Credit Card in XX/XX/XXXX. I received a letter dated XX/XX/XXXX saying that my account is past due despite it being closed. An annual subscription I wasn't aware of charged the card in XX/XX/XXXX and TD Bank successfully allowed the charge despite the card being closed for 7 months. I was told by TD Bank via phone that they allow subscriptions to continue charging as a courtesy for an indefinite amount of time.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (NJ)

AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Re : Validation of Debt and Cease and Desist Notice Account Number : # XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of the alleged debt. Please be advised that statements alone are not sufficient evidence of a debt, as established by the case XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. 

Accordingly, I am requesting that you provide the following documentation : A detailed accounting of the alleged debt, including the original creditors name, the amount of the original debt, and a complete transaction history. 
Any and all relevant agreements, contracts, or documents bearing my signature that would indicate my obligation to pay this debt. 
Furthermore, I am issuing a cease and desist notice. This includes the following instructions : Cease and Desist All Communication : Do not contact me further in any manner, including but not limited to, phone calls, letters, emails, or text messages. 
Cease and Desist from Reporting to Consumer Agencies : This notice also includes a demand for removal of this account from all consumer credit reports. 
Please be advised that any continued communication, including reporting this account to consumer agencies, will be considered a violation of this cease and desist order. 

Litigation Costs : Should it become necessary to pursue litigation due to your failure to comply with this request, the following are estimated costs associated with such action : Filing Fees : {$350.00} Service of Process : {$100.00} Legal Representation : {$200.00} per hour ( estimated 10 hours ) = {$2000.00} Court Costs : {$150.00} Miscellaneous Costs ( e.g., document preparation, travel ) : {$100.00} Total Estimated Costs : {$2700.00} Please consider this letter as a formal notice of my intent to seek redress through legal means if necessary. I expect your prompt action to cease all further communication and to remove the account from my consumer reports. 

I appreciate your immediate attention to this matter. Please send written confirmation of your receipt of this letter and your compliance with my requests. 

Thank you.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I reported to my bank that I lost my wallet and phone after leaving a gas station, where I had last used them. A few days later, I noticed unauthorized transactions on my account. Initially, I believed my card was locked, but it turned out it wasn't. then filed a fraud claim. The amount of unauthorized transactions was substantial. 
Despite this, I am confused as to why I am unable to get my money back and why the investigation into my claim was less than 24 hours completed. 
Additionally, I was informed that any credit applied to my card would be reversed on XX/XX/XXXX due to the denial of my claim.
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (WA)

I had opted to use the buy now, pay in installment option to pay for a certification course. This loan was for {$2400.00}, on XX/XX/XXXX with 24 month installments. 

I paid this loan off early, with final payment made on XX/XX/XXXX. 

Oddly, on XX/XX/XXXX ( more than a year later ) I received an email that my account was considered charge off status and will be assigned to collection agency. 

I immediately contacted Affirm to say there has to be a mistake as this account was paid in full. I have discovered that its doubtful anyone employed at Affirm, is stateside, and you spend most your time repeating yourself. I was told someone would respond to my concerns via email, but I never heard anything, so I started emailing them. In my own review of my account using their app, it was obvious they disappeared a {$900.00} payment that was made XXXX XXXX. I emailed them my receipt of said {$900.00} payment. Eventually they put my {$900.00} back on my account, but it has been a nightmare since. They turned my account to collections, I disputed and it was eventually deleted from my report. 

On Affirms app ( the only way to access account ) it is showing that I am owing 8 more payments, and that this is a collection account. THIS IS ERRONEOUS INFORMATION. I have attempted to have Affirm correct their error, but its all in vain. 
Customer service is non existent with this company. 

For a financial institution, I do not know that they are capable of doing simple math, but I would like them to correct their math error, and have my account correctly reflected. 

I have filed a complaint with XXXX and get a generic response from Affirm that even though it shows as a charged off account, that they will still extend credit to me. WTH? I want to NEVER do business with this company. They should be investigated. 

Thank you
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Auto Finance reported late payments to my credit during Covid-19 pandemic. The CARES Act was put in place to protect consumer credit during the national crisis. I'm asking all late payments reported during the CARES Act credit protection period be removed from credit report.
Consumer complaint received 2024-10-07
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. (GA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-06
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. (CA)

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX with a. Balance of XXXX, XXXX XXXX with a balance of XXXX, XXXX XXXX with a balance of XXXX, XXXXXXXX XXXX  with a balance of XXXX, and XXXX XXXX XXXX  XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (GA)

XXXX XX/XX/year> : Closed on Assumable XXXX  XXXX  with Freedom Mortgage ( FM ) XXXX XXXX XXXX XX/XX/year> : Online account access created and updates were made to the account online. 
XXXX XX/XX/year> : Online account locked by Freedom Mortgage. I contacted FM to verify the reason for the account being locked and they stated that Assumable Loans have information from the previous owner and they were updating their database to remove the info and allow access, but I would need to be patient and access would be restored. 
XXXXXXXX XXXX  : Online account access restored for Assumable Mortgage. I was able to complete updates to profile and view documents online. XXXX to online account was functional for approximately XXXX months. 
XXXX XX/XX/year> : Attempted to access online account to verify information. Unable to login to account, as it appeared access was removed once again. 
XXXX XX/XX/year> : Contacted FM to inquire about getting online access back. Advised by FM that online account access is " not allowed '' for Assumable Mortgages. I informed the customer service rep that I had access reinstated in XXXX after the account being previously locked. XXXX stated that I " will NEVER have online access again for the duration of the loan ( XXXX more years ) '', since I have an Assumable Mortgage. Requested a policy letter from FM or a law stating this information.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

There are two collections on my credit report that are not mine. Transworld systems owns both. XXXX is for {$500.00}, the other is for {$1200.00}. I was never contacted, sent any form of communication as to what the debt is, theres no account numbers, no phone numbers, no address.