davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SC)

I am a part of the fraudulent activity done by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for borrowers defense in XXXX of XXXX. I received full discharged Department of Education Subsidized and Unsubsidized loans. My loans were fully discharged as of XXXX XXXX. I am a full class member of the XXXX XXXX XXXXXXXX automatic class. I was not refunded the amounts. Nelnet stated that they had no ideal the amount of a refund I would get, it was up to the Department of Education. The Department of Education stated they did not know how much of a refund I would get it was up to my service provider. I have called both numerous times to get no where. I even reached out to the the ombudsman and yet to have the amounts of relief that are ordered.
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized.

I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system.

Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (PA)

On XX/XX/XXXX I received a letter of collection of a debt I do not owe, I had my XXXXXXXX daughter obtain a gym membership, under my name, upon her XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, prior in on XX/XX/XXXX I and my daughter went into XXXX XXXX and removed her from membership, in XXXX of that year upon signing into gym, I was told to call billing company, 3rd party, I contacted them to find out they continued to bull my daughters debit card on file, which was cancelled at local gym on XX/XX/XXXX, I have been to gym regularly past year and today I received this letter from Aldous who was attempting to a debt of {$300.00}? A collection agency? This is not owed, XXXX made errors not me we cancelled in XX/XX/XXXX twice I cancelled.
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Credit management bought a debt from a XXXX  account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have XXXX XXXX  and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of XXXX. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that Midland Credit Management had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

I am writing to formally dispute inaccurate information being reported on my credit account Account Number : XXXX and XXXX. Specifically, the reported late payments on XX/XX/year> are incorrect, as I was not late on these payments. I have reviewed my records and can confirm that my payments were made on time, and I respectfully request that you investigate and correct this error immediately.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to the credit bureaus. By failing to update or correct this inaccurate reporting, American ExpressXXXX is in violation of the FCRA. Additionally, under the Truth in Lending Act ( TILA ), any inaccuracies in credit reporting that affect the terms of credit or the accounts status could result in a violation of the act 's provisions regarding truthful and accurate disclosures. 

I request that you investigate this matter and update the credit bureaus with the corrected information.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

XX/XX/XXXXXXXX  YOUR ACCOUNT NUMBER : XXXX Agreement with : XXXX  XXXX Current Balance : {$300.00} Dear XXXX, Your XXXXXXXX XXXX XXXX electronic statement is available for viewing. Visit XXXX Account Center for details. 
You may access your account online anytime by visiting XXXXXX/XX/XXXX Account ending in : XXXX Statement Balance : {$980.00} Minimum Payment : {$90.00} Payment Due Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Welcome! Your XXXXXXXX XXXX XXXX XXXX account ending in XXXX is being acquired from XXXX ( XXXX ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and effective XX/XX/XXXX, will be replaced with a XXXX  XXXX account issued by XXXX ( the XXXX XXXX ).
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

Since XX/XX/XXXX, Comenity bank via Victoria Secret has been unable to take my payments due to a problem within their internal system. They have reported my account as delinquent XXXX XXXX XXXX and now XXXX. I call twice  a month to attempt to pay. I started recording the call XX/XX/XXXX. They refuse to stop reporting my account and refuse to provide me a letter stating the account is not delinquent as per requested by my home lender ( trying to buy a home ). My credit score has gone from XXXX to a XXXX. Comenity Bank refuses to assist me in making the corrections needed. They only tell me sorry we are unable to access your account please help. We have tried a mail in payment, a misposted payment, ach wire transfer, and debt card. All of which could not be processed due to Comenity Banks internal system. I have done everything they have asked with zero assistance or help in return.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

To whom it may concern, Im formally requesting the discharge of all student loans held by XXXX. Over the years I feel companys policies and practices has been misrepresented. Theyve failed to offer proper guidance about my loan repayment options. 

Initially my loans were through XXXX XXXX and my accounts were sold to XXXX, without any notification or warning. Blinding trying to maneuver through this company processes, XXXX  encouraged me to enter forbearance and/or deferment programs. As the income-driven repayment plans may have been the better option. This could have made my payments more affordable and eligible for eventful forgiveness. Instead, as a result of entering the forbearance and/or deferment programs has caused my loan to increase due to the capitalized interest. Which in turn has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. 

Upon some research I recently found that XXXX  has had a history of misreporting my payment status to credit agencies severely damaging my credit score. This has caused a domino effect with me being eligible for more favorable repayment options and ultimately contributed to an overwhelming amount of increased debt well beyond what I originally borrowed. These practices by XXXX  are consistent with the widespread fraudulent behavior which caused sues by numerous states of the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for considering my request. I hope the CFPB will swiftly and decisively hold XXXX  accountable and provide the relief borrowers such as myself desperately need.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I am a 1XXXX XXXX XXXX XXXX and was granted XXXX XXXX XXXX XXXXXXXX. My loans with Navient were discharged, FFEL {$7500.00} FFEL {$27000.00} Now Navient is send me bills for another loan for the amount of {$4500.00}. 
It is under a different account number and has a different SSN attached to it. 

When I called Navient they had me try to log into my account and it showed a balance of {$0.00}. So they had me type in a different SSN and it showed with my name attached to it.

So the account has my name but a different account number and SSN, but refuse to remove me from it. They said I have to pay it even after I told them I was approved for XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/year>, my funds from my employer wasn't deposited into my Capital One checking account due to technical issues that the bank was experiencing. My vehicle note is withdrawal bi-weekly through XXXX at the amount of {$300.00}, on XX/XX/year>, my vehicle payment could not be withdraw due to the issue that Capital One Bank experienced causing a late payment to reflect towards me. I received an email from Capital One Bank on XX/XX/year> that advised me to call if I experienced a late payment due to the incident, I called Capital One Bank today and spoke to XXXX, identification number is XXXX, on a recorded line he stated that it was the bank 's fault.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (TN)

SoFi financial is not allowing me to wire my funds to a title company for a refinance. I need the refinance done and now I have to get another bank because theyre refusing to wire money to a title company. They said it can only be done for home purchases. This makes no sense and there is no real recourse other than to get an entirely new bank and have my money sent elsewhere. I feel like theyre tying up my money. Ive seen others say this is a problem over a year ago. This needs to be addressed. I filed a complaint but all they said was sorry. I have money but cant pay my bills or do what I need to do with it.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CCF Intermediate Holdings LLC (TX)

Speedy Cash/CCFI This company makes us sell these XXXX prepaid cards to people. The customers are unaware of the fees. Speedy Cash/ Community Choice Financial gave us a map that we must follow to get the customer to add their complete loan to this card. The card is associated with monthly fees and fees every time the customer swipes their card. If a customer is going there to get a loan why would they want this card with extra fees? If the customer wanted the full amount in cash we were told to tell them they at least have to load {$100.00} or the minimum of {$50.00} and the rest they get in cash and this helps alleviate some of the interest on the money in the store. They pay the employee {$5.00} per card sold as long as the customer loads at least XXXX. It used to be XXXX minimum load and then XXXX moved it up to a minimum of XXXX. This is very unfair to the customers. I dont know exactly how much money CCFI Community Choice Financial was making when we sold these cards but Im sure it is a lot otherwise they would not push for us to sell them. When I started they said we at least need to sell XXXX. Then they said we had to sell XXXX per person a month. This company is rediculous. They dont even give the customer the fee schedule so they can see it they just have them scan a QR code as part of their registration.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

My husband opened an account with Wells Fargo I believe it was XX/XX/XXXX, XXXX XXXX. He advised me that he opened the account to deposit his share of his settlement/proceeds check. See attached check issued by XXXX XXXX XXXX, XXXX. They paid XXXX XXXX {$12000.00}, check XXXX XXXX on XXXX XXXX. 
My question to you, Can you please tell me if you see a wire transfer in XXXX XXXX Wells Fargo Account. The reason I ask this of you is because whatever amount of money XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have received the same and I am missing my wire transfer and I dont know who stole it but somebody stole it along with my license, cell phones, email addresses, earnest deposits, etc.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (MI)

Back in late XXXX of XXXX  through the end of XXXX XXXX I lost my entire wallet in XXXX XXXX XXXX XXXX XXXX XXXX  ) I cancelled all my cards and ended up getting my wallet back nearly a month later. During that timeframe I was hospitalized and due to this was unable to work and made no money for several months. This company was informed of this situation. Long story short I got back up on my feet working again and making money paid my balance down etc, only to find out that they closed my account. I feel the closure was unjust as XXXX. ) I was never notified in writing 30 days prior to any closure, nor was I offered any solutions to keep the account active. 

I have requested to them that they reinstate the account so I can continue to both pay off and utilize my account. If they refuse, I feel the small balance remaining should be forgiven due to their improper process of account closure and violation of my rights as a consumer for being provided adequate solutions to make right on the account.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

On the date XX/XX/XXXX a total of {$490.00} at XXXX was stolen out of my Cash App card I was told multiple time that I will get help never got help they denied and closed my claim with no explanation. Very hurtful that was my carnote money not Im at risk of losing a whole car.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX provided 2 checks to the Real Estate Company that was responsible for the sale of my home at XXXX XXXX XXXX, XXXX. I have asked XXXX XXXX XXXX and my real estate agent, XXXX XXXX for my {$5000.00}. She never gave it to me. 
I am asking Wells Fargo Bank if they could look into the XXXX attached checks that I am attaching.

1- i need to know if these 2 checks were ever cashed?

2- if they were cashed, could you please tell me who cashed them and on what date were they cashed These checks never made it to me, XXXX XXXX and according to the Contract that I received way after settlement, Warnest Deposits are not allowed to be deposited with a Personal Check!! Well them 2 checks sure look like personal checks to me.

3- please let me know if you see anything unusual relating in to any wire transfer whatsoever because I am still looking for my wired transfer and my husbands.

The 2 checks are attached ( but of course the thieves didnt provide me with the backs of the checks ).

A copy of the agreement of sale is attached, No 2, ( B ) No Personal Checks clause.

Thank you
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (UT)

A student loan collection organization known as Nelnet is negatively reporting against me to credit bureaus for a student loan I've already paid off in full to a 3rd party collection agency. 'Account : XXXX ' is what Nelnet uses to reference me in their system. 

A collection account was opened by a different agency, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. They directly contacted me soon after and I began to make payments towards my balance to the creditor ( notated as " XXXX XXXX XXXX XXXX XXXX  ). My last payment to XXXX XXXX XXXX is dated XX/XX/XXXX, I have documentation to reference my original balance, payment history, and now cleared balance. I will attach what I can now, please let me know if any additional documentation is needed. 

Nelnet continues to hound me for payment on this already paid loan, my primary goal is to have them withdraw/close any open account they have reporting to any credit bureau, and to potentially seek legal action for reparations for leaving my credit score at a disadvantage.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

On XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the MA BOARD OF HIGHER EDU ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.