davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (GA)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XXXX I made a money transfer using PayPal to XXXX XXXX of {$1000.00}. I entered his name and the amount ; the transfer was completed. Upon reviewing the details I found that my money had been sent to a XXXX XXXX using an email I had not supplied to PayPal. I was told I could not cancel the transaction because it has been sent as a gift, not a payment ; I could not have a refund because the transaction had been completed. As PayPal suggested I filed a request the next day at my bank since I used a XXXX debit card linked to my checking account to have the money refunded. The bank refused since they had not authorized the transaction. I sent an email to XXXX XXXX asking for the money to be returned buy got no response. At PayPal 's suggestion I filed a complaint with the FBI 's Cyber Crime Unit but have had no response. My money was sent to the wrong person. I learned after the fact that XXXX XXXX does not have a PayPal account so could not have received the money ; why therefore did PayPal complete the transaction to someone I had not designated as the recipient? The PayPal transaction number for this transfer is : XXXX. I have talked with numerous PayPal customer care representatives but get no where with resolving this issue.
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/year>, I disputed 4 unverifiable, invalidated, and inaccurate accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To this day, I have not received verifiable proof these items are accurate. I feel like I'm being taken advantage of and ignored for my disputes. Section 611 ( a ), plainly states that you must investigate and provide who provided the information in dispute, including all relevant information regarding the dispute received by the agency. I am requesting these items be immediately removed from my credit report. As no verifiable proof has been provided, and reporting unverifiable, invalidated, inaccurate, and questionable items in my report. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (OR)

Everyone who has used this company has said they do things to add to their loan, we have made XXXX payments and they are saying were BEHIND XXXX payments. They have already reported negative activity to the credit places that effect our ability to rent. We had no idea that they did business the way they do or we would not have used them.
Consumer complaint received 2024-06-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2024-07-23
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (OH)

Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and the IRS publication 4681 and Tax Topic 431. By definition the IRS clearly says a CANCELED DEBT or CHARGE OFF is considered INCOME. The Reporting of this account as a debt is INACCURATE and Unlawful INCOME is a certificate of INDEBTNESS, and the IRS treats the forgiven debt as income.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IA)

Citibank is allowing consumers to use points at retail points of sale for a 25 % fee, not telling them that they could simply go online and get a statement credit without this fee. As an example at XXXX, they will allow me to use XXXX points for {$10.00} off. Those points are worth {$12.00} if I get cash back. This is a predatory practice that takes advantage of consumers who may not understand their program.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

On XX/XX/year>, around XXXX AM, I opened a checking account with Citi Banking, linking it to my XXXX existing Citi credit card accounts. As part of the requirements, I funded the account with {$25.00} from my XXXX account through connected banking without any problems. I then accepted a XXXX transfer of {$500.00}, which seemed to go through smoothly until I was suddenly logged out of my account and unable to log back in. 

Since then, I have made XXXX calls to Citi, experiencing multiple transfers between departments without any resolution. On XX/XX/XXXX, I spoke with XXXX in online banking tech support. She informed me that I couldn't log into my account with my current credentials until I received my debit card and reset my password using the card number. She expedited the card to my current mailing address, which she confirmed over the phone & matched the information on my account. Though I found this process odd, I decided to wait for the debit card. 

On XX/XX/XXXX, I received an email confirming that my debit card had been mailed to my previous address. On XX/XX/XXXX, I called online banking tech support again and spoke with XXXX. He asked for my security word, and when I provided it, he claimed it was incorrect and could not assist me, even though it was the same word I used XXXX days prior. He requested a call back from a supervisor within XXXX hours and transferred me to XXXX in customer service. XXXX asked for my account or debit card number, but I couldn't provide it since I couldn't log in or receive the debit card. She suggested I call the department handling new bank accounts. 

Later, I received a call from XXXX, the supervisor, who advised calling the customer service line for my credit card, getting verified, and then asking to be transferred back to banking. I followed these steps and spoke with XXXX in banking services, who repeated the same information. She transferred me to her supervisor, XXXX, who also said she couldn't verify me. XXXX 's only solution was to visit a physical branch, which isn't an option in my city.
Consumer complaint received 2024-08-07
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-23
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This complaint has been filed to request pursuant to FCRA ( XXXX XXXX XXXX ) that the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint this fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize aforementioned accounts, collections, and hard inquiries. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency shall ( i ) delete that item of information as appropriate, based on the information. Please remove all the inaccurate fraudulent items from my credit report.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NJ)

Billing Error Dispute for Chime Credit Builder Account Account Number Ending In : XXXX Claim ID : XXXX Dear Dispute Resolution Department, I am writing to formally dispute unauthorized transactions on my Chime Credit Builder account, account number ending in XXXX. The details of my dispute are as follows : - **Dispute Type : ** Debit - Unauthorized Transaction - **Date Error Reported : ** XXXX - **Claim Amount : ** {$2400.00} On XX/XX/year>, I reported unauthorized/unrecognized transactions totaling {$2400.00}. This amount reflects a significant breach of my account 's security. My dispute was denied on XX/XX/year>, less than XXXX hours after the error was reported, which is not enough time to conduct a thorough investigation. This is grounds for a CFPB complaint. I am certain my rights and protections as a consumer were violated without proper/ due process and this is grounds to reopen my claim! 

I hereby demand that a reinvestigation of these unauthorized transactions be undertaken immediately. Furthermore, I request that the investigation process be audited for its efficacy to ensure all necessary measures are taken to protect my account and prevent future unauthorized activity. 

Please confirm receipt of this letter and provide a timeline for the reinvestigation. I expect a prompt resolution to this matter, including a full reimbursement of the disputed amount to my account, which is carved out by Regulations ( E ) and ( Z ). 

Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (PA)

See previous CFPB Complaint that was closed today. In the documentation that was provided by the company, my principal is adding up to {$100000.00} however they are billing me, charging me etc $ XXXX plus interest. Based on their response I and be charged for an extra $ XXXX. Please review my account and ensure I am be charged for the correct amount. It is disheartening that no one did the math and questioned it before responding the first time. Please give me the same courtesy that you would expect for your self.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PR)

I am a lender with Nelnet, I have try calling them but they hardly pick up. I spend over 2.5 hrs. To no avail. It semsthere are some inconsistent information in my forbearance in which they say I don't have to pay anything until XX/XX/2024, but it is showing a bill for XXXX. Also, I applied to the teacher loan forgiveness and I have not hear anything from them. If my application has something wrong or not. They don't pick up the phone.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your help to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-03
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. (NJ)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX Balance {$3.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$77.00} US DEPARTMENT OF EDU XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Westcreek Financial (FL)

On or around XX/XX/year> I used a service XXXX XXXX to have some car repairs done. XXXX uses Koalafi lease/loan company. Upon completion of services I receive loan and protection plan documents. I sign and make the first payments of XXXX and XXXX for the document processing and protection plan. Fast forward to XX/XX/year> my car was in an auto accident and deemed a total loss. I reach out to Koalafi to verify the protection plan and the representative tells me I am not eligible for the protection plan. I tell the representative that I know I signed up, but she continues to disagree we end the call. I then sit down and go through my emails to to look for confirmation of enrollment of the protection plan. I find the email and I speak with a representative via chat. I tell the representative that I found the email that I am enrolled in the protection plan the representative tell me to send a screenshot shot and proof of loss of my vehicle I send these documents and the representative forwards me the protection plan member services number and ends the chat. I speak to the member server and he tell me that I was enrolled on XX/XX/year> and it was canceled XX/XX/year>. I then ask the guy who canceled the enrollment because the email said I had XXXX day to cancel and XX/XX/XXXX was well beyond the XXXX day period. He then proceeds to tell me this is a problem they have within company that people are enrolled in the plan and then apparently canceled unknowingly because the payment is handled by a third party. He apologizes and we end the call. On XX/XX/year> I call Koalafi to ask what is the status of the documents sent in reference to my vehicle total loss and this loan with the protection plan and the representative tells me I am not enrolled in the protection plan and there is no documents of proof of loss. I asked him how are we gon na resolve this and if we can't I will file a complaint with the Consumer Protection Bureau. I got no response from the representative, and he said have a good day and ended the call.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (GA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : ( Kikoff Account Number : XXXX ) In accordance with THE Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, responded to my claim and pointed finger and implicated USAA in the direct involved in why my account was short {$720.00} on the return of my international wire transfer! I have yet to get a good response as to why ( I ) the consumer is missing {$720.00} when there wasnt any changes in the exchange rate over the period. I have contacted USAA several times and still they have t confirmed the discrepancy while gaslighting me in believing the XXXX XXXX XXXX XXXXXXXX took extraordinary rates. USAA and or XXXX XXXX, owes me an explanation as to what charges or exchange rate that led to my account being shorted {$720.00}. 
During the transaction with USAA, and the receipt that I received only showed USD. I did tell the agent that I want to send USD to make up the equivalent of the XXXX XXXX XXXX XXXX XXXX XXXX 
This is the response from XXXX XXXX. I just want my money bank from whichever institution that took 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 USAA instructed XXXX to pay out XXXX XXXX to wire instructions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX using an agreed upon XXXX XXXX XXXX XXXXXXXX on XXXX. USAA advised XXXX to pay out JMD so we acted on their instructions accordingly. 
The payment was returned to XXXX in the amount of XXXX JMD  with a reason of incorrect currency. XXXX reached out to USAA advising of the payment rejection and USAA requested the USD funds be returned to themselves. 
In line with our procedures, funds were converted from JMD back to USD at the market rate. USD XXXX was returned to USAA on XXXX. 
XXXX followed agreed upon procedures with USAA and originally acted off their instructions as intended. I would recommend working with USAA directly to be reimbursed for the difference if you feel XXXX should not have been advised to pay out in JMD. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX