davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

This provider switched in XXXX and automatically wouldnt allow monthly payments to go through without interest. As I continued to pay them they didnt deduct the full amount I was paying off my total debt. This happened repeatedly every month my total would not reflect the amount paid. On XX/XX/XXXX my loan transferred from GreatLakes to Nelnet as the new servicer. Upon transfer they wouldnt set up my account on time to make my XXXX payment on time. When they finally got the information transferred they had the initial total correct as {$20000.00}. After XXXX and XXXX payments I should have a total of {$19000.00} remaining balance upon transfer at Nelnet less {$350.00} XXXX payment for a new total of {$19000.00}. My total however is {$19000.00}. I think this is going to continue to happen as its hard to get things fixed there. 

XXXX after XXXX $ XXXX payment. 
XXXX XX/XX/XXXX payment I should now have a remaining balance of {$18000.00} ( XXXX your total ) XXXX XX/XX/XXXX payment should have remainder {$18000.00}.. 
( XXXX your total ) XXXX XX/XX/XXXX. {$18000.00}. 
XXXX XXXX XX/XX/XXXX XXXX actual XXXX. Stated XXXX XX/XX/XXXX. XXXX. Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX. Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX Actual XXXX XXXX XX/XX/XXXX XXXX stated XXXX should be there is a debit of {$60.00} that should not be there. 

Paid {$200.00} XX/XX/XXXX on {$16000.00} Now changed my interest fixed rate to 6.8 % {$16000.00} should be left. 

XXXX. XXXX balance.according to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. = XXXX Should be {$150000.00} So I am {$710.00} short on my balance total from this provider. They are involved in racketeering crimes with the Biden Administration as many of my clients have been arrested in this case and convicted of criminal trespassing on a property they have not owned.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

The company made false reports of my account being delinquent during XXXX. The account is also being false reported as XXXX accounts when is actually only XXXX that the University of XXXX XXXX  is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against XXXX/XXXX  of the court against Florida and XXXX XXXX.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I stayed at XXXX XXXX due to a Constructive Eviction on an Uninhabitable home. The Hotel room was missing the screen on the window. I heard Hotel guests speaking about XXXX XXXXXXXX. Instantly the XXXX XXXX XXXX entered my room. I called the front desk manager who was dismissive. I promptly contacted XXXX police. XXXX police falsely stated hotels are private private and XXXX XXXX  is permitted. Citibank refused to credit me my full refund for the final night stay. I want my complete refund ASAP.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a personal credit card with Capital One. I paid my bill in full a few hours late in XXXX, and Capital One is now telling me that I have to pay interest not only for XXXX, but for the following three months -- even if I pay my bill on time. They say that after one late payment, they will continue to charge interest until I have three consecutive months of on-time payments. This will result in me paying {$60.00} or more in interest for a late payment of just a few hours. It's not even clear to me how the interest in the next months I pay on time would even be calculated, since I always pay my bill in full. I contacted customer support and they could not explain that to me. They just said it would continue to be charged until I have three consecutive months of on-time payments. I asked if they could waive it and they said no. This is a completely unfair and predatory practice. 

The details of my payments and the charges are as follows : I paid my bill hours late in XXXX ( the bill was due on the XXXX, and I authorized payment at XXXX XXXX on the XXXX ). I paid my XXXX XXXX in full, as I do every month. On XX/XX/XXXX, I was charged {$20.00} in interest. In XXXX, I paid my bill on time and in full ( the bill was due on the XXXX, I authorized payment on the XXXX to be made on the due date ). I was charged {$11.00} in interest on XX/XX/XXXX. I contacted customer support late on the XXXX and was told I would keep being charged interest until I had three consecutive months of on-time payments. I could not get any explanation about how this interest is calculated or whether I could do anything not to incur it.
Consumer complaint received 2024-09-17
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

Per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Virginia FCRA 8.01-246 ( 2 ) and ( 4 ), the following information is missing and/or inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX - Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. Balance reported however account charged off in XXXX, correct balance is XXXX violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted XXXX XXXX XXXX Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. 

XXXX XXXX XXXX XXXXXXXX account charged off however balance reported. Balance reported should be XXXX. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted. 

XXXX XXXX 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX incorrect. account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to onetime. 

XXXX XXXX XXXX XXXX XXXX - 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX incorrect. Account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to ontime. 

XXXX XXXX collection XXXX -No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. Violates Fair air Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. thefore must be deleted. 

XXXX  collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

XXXX collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
Consumer complaint received 2024-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$0.00} l XXXX XXXXXXXX XXXX Balanced : {$140.00} XXXX
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

Please help!! I need an auto loan or a hardship loan or something similar to cover a title loan.

I have made several attempts to contact the Title Max Legal offices to get an explanation and maybe hardship help after an unclear and rushed suggestion to get more money with my title loan. 
I did not realize what I was signing up for and the paperwork was so rushed I didnt take the time to read or fully understand. The loan office that worked with me led me to believe it was just more money loaned from what I was initially approved and not a whole new, contract of no payments but I would have to pay the entire loan off in ONE payment. Now I can only pay in full or lose my car/have it repoed. 
I can NOT lose my car, then I'll lose my job and then my family ( not in that order if I'm being honest my partner might leave me and take our son as soon as my car is repoed ). That is just not possible or acceptable and I feel as if I was taken advantage of and this will cause my car to be repossessed, I CAN make payments but can not pay in full. 
As I said, I can afford payments. Up to $ XXXX per month but that's it. NOT a lump sum of $ XXXX. 
Title Max will not help me in any way so I'm desperately reaching out to you for help. I'm a good person who loves her family and I have an amazing job. I just made some very bad financial decisions ( living outside of my means ) but I am definitely on the road to financial recovery. 
I can provide pay stubs, and bank statements for the past two or three months, and set up a new account so my direct deposit will go to payments for a loan. 
Please help!!!! 
XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-09-17
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Date : XX/XX/21 Amount : {$5000.00} removed from our checking account Actions : - Reported to Citibank on the same day, Citibank rejected our claim after sending all relevant information about the fraud - Filed with XXXX XXXX XXXX XXXX XXXX, waiting for the court date
Consumer complaint received 2023-11-13
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. (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EXPERIAN. In my credit report from XX/XX/2023, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NJ)

I am writing to bring to your attention a matter of significant concern regarding Nelnet, a loan servicing company responsible for managing my student loans. Nelnets actions to be in violation of the regulations and requirements set forth by the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2023, I formally requested from Nelnet the Original Instrument of Indebtedness for my student loans, as is my right under the law. My request was specific in nature, seeking a document that holds legal significance and is crucial for a clear understanding of the terms and conditions of my student loans. 

Regrettably, Nelnet did not comply with my request as they not only failed to provide the Original Instrument of Indebtedness but also furnished a promissory note that contains incorrect information. The inaccuracies within the promissory note include errors in my address, email, and school name, which is a grave oversight on their part. Furthermore, the document they provided lacks my wet signature, which raises doubts about the authenticity and validity of the information therein. 

This situation is of utmost concern to me, as the accurate documentation and disclosure of my student loan terms are essential for my financial well-being. The inaccuracies and absence of my signature in the provided promissory note only exacerbate the uncertainty surrounding my student loans. I am troubled by Nelnets noncompliance with the requirements set forth by the CFPB and their apparent disregard for the importance of transparent and accurate communication with borrowers.

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action against Nelnet to ensure their compliance with the regulations governing the student loan industry. I also seek guidance on how to rectify this situation and obtain the accurate Original Instrument of Indebtedness for my student loans.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MD)

I had an American Express ( Amex ) card member for 30 years. I received a letter from Amex that it had increased my credit limit and was sending a replacement card for one due to expire XX/XX/22. The replacement card did not arrive 10 days before expiration. I advised Amex representative that the card usually arrives sooner and recommended they cancel the replacement. No replacement card arrived one day before the card was due to expire and I called Amex again. I was told the replacement card was not canceled but my Amex account was canceled. Amex rep called to reinstate my account and was told I was turned down by the credit agency, XXXX, whose ads imply one should use its bank to " boost '' one 's credit score. This company also never sent a letter to me outlining one 's rights. XXXX recommended that Amex make a correction to my record which states I missed 4 months of payments for a replacement card I never received. Iam seeking correction of my credit record and reinstatement of my account. The only significant issue with my record took place when I was XXXX due to a XXXX XXXX and missed XXXX car payments which I promptly paid upon discharge.
Consumer complaint received 2024-09-17
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'm formally requesting the immediate blocking and removal of accounts on my consumer report linked to identity theft. These accounts were included without my written authorization or wet signature. I've previously contacted your organization about this issue. 

The presence of these fraudulent accounts has caused me significant emotional and financial distress, misrepresenting my credit history and hindering important financial goals like purchasing a home and providing for my family.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

XX/XX/XXXX check for {$27.00} mailed at corner mail box XXXX made credit card payment with balance of about {$2300.00} left in checking account XX/XX/XXXX attempted to take out {$1000.00} form checking not enough funds to cover called bank said between my signature and the rest of check definite difference in printing style appears to be fraud went to bank partially closed out account to allow some funds entered into account XXXX XXXX  filled out affidavit i believe opened new checking went back to check on progress waiting for refund 7 days later told still doing investigation waited again still investigation waited more went to branch still investigating week later told filled out affidavit wrong branch manager said XXXX  it was filled out correctly later called XXXX XXXX  with branch manager talked to fraud XXXX  kept checking with the back room than gave us update then back room then update still investigating XXXX XX/XX/XXXX this is way too long to be without my funds how do i pay my credit card to them w/o my funds
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the U.S., a Bank of America credit account was fraudulently opened in my name without my authorization. I have filed multiple disputes, both directly with Bank of America and through XXXX, XXXX, and XXXX, providing a police report, identity theft report, and my I-94 as proof that I was out of the country when the account was opened. Despite this, Bank of America continues to deny my requests to remove the fraudulent account.
Consumer complaint received 2024-09-17
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. (SC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-13
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.