davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC (NY)

I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 15 U.S Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CapitalJ Inc. dba Juno (CA)

I was notified by Juno by CapitalJ , Inc. that my funds are not accessible via ACH nor debit card transactions. Juno claims they are not responsible. Their website " XXXX '' claims the issue is due to their banking partner XXXX XXXX  XXXX XXXX having issues. I couldn't find any information online that XXXX XXXX  XXXX XXXX was having any issues. I would like to access my funds immediately. I hope CFPB can help me with investigating why this is happening and when it will be resolved. I need access to my money! Please help me!!
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IN)

Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. I am reaching out to you to resolve this matter as quickly as possible. As a new user on your platform, I assure you that I have not engaged in any activities that would violate PayPal 's terms and policies.

I understand and appreciate PayPal 's commitment to maintaining a secure environment for its users, and I fully support your efforts in that regard. However, I believe that my account may have been mistakenly flagged or subjected to an error during the assessment process.

I kindly request you to thoroughly review my account and provide me with specific details regarding the reasons for the blockage and limitation. I would like to rectify any misunderstandings or issues promptly. I am committed to adhering to PayPal 's rules and regulations and would appreciate the opportunity to continue using your services.

Please note that the email address associated with my blocked account is XXXX. I kindly ask you to communicate any updates or instructions regarding my appeal through this email address. 

I am more than willing to provide any necessary information or documents to verify my identity and validate the legitimacy of my account. I understand that security is of utmost importance, and I am prepared to cooperate fully to ensure the resolution of this situation. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing and resolving the blockage and limitation on my account. If there is any additional information you require or if I can be of further assistance, please do not hesitate to contact me. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

This is the third time that I have complained about this fraudulent account. I have attached a copy of my FTC ID Theft complaint and XXXX police report.ERC # XXXX XXXX XXXX NA # XXXX. I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. ERC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2024-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My Loans were serviced by Great Lakes then transferred to Nelnet. They are now currently serviced by XXXX but my transferred balance at Nelnet is still currently showing on my Credit reports. My total student loans is now showing doubled my actual debt owed and has causes me to not qualify for multiple loans and mortgages I've applied for. 

I've been back and forth between XXXX, XXXX and Nelnet and have gotten nowhere to solve this issue. I'm understanding that I am MANY of victims with this issue and not many have gotten this issue resolved and I was directed to file a complaint and pursue legal action for egregious circumstances regarding a simple fix that does seem intentional. 

Lastly, a brave XXXX Representative informed me of the Full Picture how Nelnet is still reporting to XXXX XXXX while I was told on the phone by a Nelnet XXXX member that they " can't help me and that I need to talk to XXXX ''. Literally a brick wall response to something that can be solved so easily with a simple document that can be sent to me or even the XXXX XXXX they're still reporting my outdated transferred loans to. 

I hope that this issue can be resolved that way I can move forward after spending months, upon months stressing over and I will gladly publish this issue to bring more awareness and maybe my situation can help the next person dealing with this same problem. 

Thank you,
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of XXXX XXXX  of debt bondage and would like for all of the listed accounts to be blocked and deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-20
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. (CA)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (NY)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$40.00}. Please update ASAP.
Consumer complaint received 2024-01-24
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. (NY)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023, XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

Submitted PSLF application for 2023, and requested forbearance, as I have enough qualifying payments for my loan to drop to a XXXX balance. They were only waiting on employment verification. I submitted this request on XX/XX/2023. They still have not put my loan in forbearance, reviewed my PSLF application, nor my employment verification. They continue to harass me for payment, report to the credit bureaus, and show that I am past due, when my balance should be XXXX. I sent a message asking about the forbearance on XX/XX/2023, they responded with a request for payment on XX/XX/2023, completely ignoring my question about forbearance.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

There are some inaccurate late payments being reported on my consumer reports but I don't have any recollection of ever being late on any account nor have I received any written notices from the furnishers stating that they were going to furnish negative information on my consumer reports. Please modify the information on my report to paid as agreed never late pursuant to section 611 of the FCRA.
Consumer complaint received 2024-07-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (AL)

Moved to XXXX XXXX  in XXXX after husband left and lost home.Never late on rentXXXX yr there advised no lease needed.chance to move closer to job so moved XXXX.Left earlier than I needed to and didn't even ask about return of deposits because nobody ever in office.This year I needed to buy car and found instead of no credit I had a collection on my report from apts for XXXX $ ( XXXX rent ) never got a phone call, mail ect..advising me that they thought I owed this ( especially leaving all deposits ) same job for XXXX so easy to find.i do not owe this and was never aware of debt collectionXXXX XXXX XXXX XXXX. XXXX TN XXXX XXXX rent debt auto collection. Acct XXXX XXXX date opened XX/XX/XXXX is on credit report.i paid everything with money orders because of husbands behavior so no receipts after 3yrs
Consumer complaint received 2024-04-30
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. (NC)

PLEASE BLOCK AND REMOVE Kindly act swiftly to remove the fraudulent inquiries from my credit report. They were not authorized by me and are causing me a great deal of XXXX.
Consumer complaint received 2024-05-22
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. (GA)

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. 

Account Name : XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 1

5 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 in
accurate.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I opened a checking account with Citibank because they sent me a promotional deal for XXXX bonus ThankYou points. I called the phone number on the advertisement to complete everything directly with a Citibank employee. I was to deposit {$15000.00} within 30 days and make a bill payment for 2 consecutive months. I did both of those things but never got the bonus reward points. I contacted the bank 's cutomer service by phone and found no one to help me. I also emailed customer service and received no reply.
Consumer complaint received 2024-06-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (OR)

When on on XX/XX/XXXX I tried to close my No Penalty CDs with Marcus Bank It was denied and I was asked to call a bank agent. Which I did. During this call I was transferred to the Security Department and then informed out of the blue that there is an alert on all accounts. They asked me my security questions which I answered promptly and properly. But when I asked what the purpose of the alert is they denied any answer only to say that they build a case and gave me the case number and said I would get an answer within 1 to 3 business days. Today after 3 days I called again and was transferred to the Security Department a XXXX XXXX. She told me that the case is still under review and I should wait for 3 more days. Again I insistiert to get an answer about the alert but she again said that she is not allowed to answer the question. Fact is that my retirement money is frozen
Consumer complaint received 2023-08-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

A few years ago, I noticed a collection account on my credit report from National Credit Systems representing a lease from an apartment complex that was not paid. I recently addressed this with the collection agency and they requested proof that this account was not mine. I supplied them with a police report, a identity theft report, a notorized affidavit, as well as a lease agreement of the place I was actually staying at the time of the alleged lease which they requested. I supplied them with all the information they requested from me and still they come back saying that this account was mine. 

At this point they are violating my rights and hurting my ability to obtain credit which is illegal because this lease was a result of identity theft which they are reporting to XXXX.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK (MO)

XXXX XXXX XXXX bank atm took {$110.00} cash deposit, gave an error message, and did not give me a receipt or credit the funds to my checking account. I opened a dispute with the bank on the morning of XX/XX/XXXX. I have made multiple phone calls every day since the XXXX trying to get my money back or my account credited. Not one person has been able to tell me where my money is, nor has my account been credited. Since this was an error on the banks end, not my own, my funds should have been credited to my account the day I reported the stolen deposit. Every single person I have dealt with at the bank dispute department has been openly rude and careless. Photo attached is of the exact atm in question approx 1 minute after the theft occurred.
Consumer complaint received 2024-05-13
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: EQUIFAX, INC. (FL)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (VA)

On XX/XX/year> I received an email from a company called, Mercantile Adjustment Bureau , LLC. They are stating I have a balance owed of {$1300.00} with XXXX. The creditor they are collecting for is XXXX XXXX XXXX which is a creditor I have previously had try to collect funds from me that were not owed. Mercantile Reference XXXX is XXXX. I have not been with XXXX in over 10 years and when I left their company, I did not owe them anything. This is a company trying to get funds that are not owed to them. Phone # for XXXX is XXXX. Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (MS)

I was notified of a bill due for a loan I never signed up for. I contacted Upstart to let them know that I did not authorize this loan. Upstart sent money ( {$5900.00} ) to my bank account wrongfully, and I have asked several times how to send it back. They also took money from my bank account without my authorization and called it a " loan payment ''. Now they say I owe {$7000.00}! They have done nothing but give me the runaround and they are reporting negative information on my credit report about this loan that isn't mine. I filed an identity theft alert with the FTC and sent Upstart supporting documents via certified mail, but they still won't investigate.