davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I recently submitted a School Misconduct Discharge application to Navient ( Sallie Mae ). My former school ( XXXX XXXX XXXX XXXX, parent company XXXX XXXX XXXX ) was named in formal lawsuit due to fraudulent practices. I am happy to provide the application and case I built if requested. 

My application to discharge my private consolidation loans was rejected. My inquiry as to the reason why it was rejected was simply " because you consolidated your loans. '' When asked to further explain why consolidating loans would disqualify me, they replied " Only loans made and sent to the school directly would be eligible, along with meeting additional criteria. '' See email transaction below. 

I am formally contesting this with you as not sufficient reasoning, and that I should still be considered eligible for loan discharge. 



XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to me, XXXX  Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Private Consolidation ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 





Thank you, Office of the Customer Advocate From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/year> XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Voicemail return -- - External Email -- - This E-Mail has been scanned for viruses. 


XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to XXXX  Thank you for your response. I have been told that private consolidation loans does not meet the criteria, but I have not been told why it does not meet the criteria. 

Frankly, I have a wealth of information and legal team that says disputes this claim. 

Please explain and/or cite why private consolidation loans are not eligible. 


XXXX Wed, XX/XX/XXXX, XXXX ( 12 days ago ) to me, XXXX Thank you for reaching back out. As your loans were consolidated, they became paid in full and were made into a new loan that was provided to you directly ( not the school ). Only loans made and sent to the school directly would be eligible, along with meeting additional criteria.
Consumer complaint received 2024-07-11
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was waiting on a XXXX payment to receive through capital one. Capital one sent me an email saying the transaction was flagged for no reason, so I wont receive the money or see it in my activity feed for up to two days when I need the money for rent and wouldnt of used their service since they claimed it was a direct deposit. I called capital one and they said theres nothing they can do.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Pacific Credit Exchange Corporation (CA)

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW. 
PACIFIC CREDIT EXCHANGE STATED THEY SENT ME MULTIPLE LETTERS. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT. 
ALSO, THEY SENT A COPY OF A POLICY THAT DOESNT HAVE MY NAME OR SIGNATURE ON IT. SEND ME THE CONTRACT BETWEEN MYSELF AND PACIFIC CREDIT EXHCHANGE STATING I AM RESPONSIBLE FOR THIS DEBT.
Consumer complaint received 2024-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I submitted my paperwork for IDR in XX/XX/2023. Nelnet has changed my payment 3 times after the review. I did make all payments until the XXXX payment where I received no written notice of change of payment, and I was not in a recertification time frame as I was approved in XX/XX/2023, and they increased my payment {$410.00} without notice. The paperwork I received indicated my payment would be ~ XXXX XXXXXXXX and I made several of those payments, and in XXXX they increased my payment to XXXX XXXX forcing me into a forbearance bc they illegally changed my payment without notice and I did not have the funds to pay the payment. 


I submitted a complaint to the XXXX website case id : XXXX on XX/XX/XXXX. On XX/XX/XXXX, they responded that its been sent to my servicer to address and will be contacted within 10 business days, and I have not received a response or update from Nelnet since. I have sent 2 follow ups to the XXXX complaint with no response. 

Nelnet does not communicate, respond, or provide the required documentation to legally update payments after they have already provided documentation for the payment amount. My request is to credit me back the forbearance time I was forced into, change me to a different servicer who abides by the law, and accurately run my IDR so that I can resume payments that have been accurately reviewed. I should be able to access documents, be provided accurate debt collection documents, accurate billing, and responses from a loan servicer and Nelnet is not upholding their servicing duties, forcing hardship on those actually repaying their loans.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (AL)

I recently reviewed a copy of my credit report. I was shocked to learn I have been the victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

DEPT OF EDUCATIONXXXX
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I received an alert from Chase indicating that there was an issue with my account and that I needed to contact them. Unable to log into my Chase app, I reached out to their customer service. They informed me that they might need to close my account to investigate the issue. I agreed, and on XX/XX/XXXX, they closed my account but stated that the investigation into the funds was still ongoing. I am unsure when my money, totaling around {$1600.00}, will be refunded. While this amount may not be significant to Chase, it is a substantial sum for me
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Indie Technology DBA Found (AZ)

I requested provisional credit after filing a billing dispute about 2.5-3 weeks ago. The bank ( Found ) has been conducting their investigation and they repeatedly ask for more information even though Regulation E requires they provide me a provisional credit if the investigation will take longer than 10 days. This investigation has taken 15 days minimum so far. All I asked for was a provisional credit for {$120.00} after the company receiving the funds told me to talk to the bank to get them back. This is the worst banking experience Ive ever had.
Consumer complaint received 2024-07-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

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 21 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 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Mohela is not accurately accounting for my payment history or PSLF eligibility as it was documented for years under XXXX. As a result, Mohela is demanding payment for loans that should have been forgiven under the PSLF program with the rest of my loans. 

In XX/XX/XXXX, my loans were transferred from XXXX to Mohela. Under XXXX, 4 of my loans were categorized as Loan sequences XXXX, XXXX, XXXX and XXXX all under the Direct Loan Special Consolidation Subsidized Loan dated XX/XX/XXXX. All four loans had the same qualifying PSLF payment history. But Mohela erased the payment history and eligiblity count for Loans XXXX and XXXX. Consequently, my PSLF application was not applied towards loan sequences XXXX and XXXX while the other loans were forgiven. Mohela refuses to provide any proof or justification why they erased my payment history.
Consumer complaint received 2024-07-04
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: Courtesy Finance LLC (GA)

Company/date XXXX XXXX XXXX XX/XX/XXXX Company/date XXXX XXXX XXXX XXXX XX/XX/XXXX Company/Date- Courtesy Finance LL XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized inquiries listed above was reported to my credit from your company.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Im resubmitting my paperwork on the previous complaints. Its the wrong addresses on those accounts I asked XXXX on the phone I NEVER LIVED AT THOSE ADDRESSES ON THE SO I COULD have known payments were late and delinquent. I didnt even know how much was due or when it was due. I have thats a violation my rights. I told submitted a feedback case because I just found the inaccurate information on the website which I didnt fill out. Those arent my email addresses or phone number XXXX XXXX in XXXX Michigan doesnt exist so I couldve received anything on late payments I told XXXX i dont recognized this addresses or the letter in general. Then my dad and my number is the same number different addresses??? Thats suspicious especially because its no XXXX XXXX
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (MS)

I am unaware of this debt. I was not given proper notification of this debt to dispute the information, mainly because I did not open an account with this company. I have an identity theft affidavit from the FTC and a police report stating that this debt was not opened by me or I did not give any individual consent to open this account in my name. If you believe in fact that I own this debt, please send me original contract containing my signature stating that I opened this account, or a copy of the certified mail receipt that has my name and signature on it.Also, please provide the method you used to validate that this debt belongs to me.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (FL)

I have made XXXX wires to a XXXX nonprofit 's bank XXXX XXXXXXXX XXXX  ) this year through my bank, Citibank, this year. I feel Citibank is not honest about fees and overcharging us. 

On XX/XX/XXXX I wired XXXX XXXX XXXX  ( {$2100.00} ), but only XXXXXXXX XXXX XXXX  were received by their bank. 

On XX/XX/XXXX I wired XXXX XXXX XXXX  ( {$17000.00} ) and what arrived was XXXX XXXX XXXX 

On XX/XX/XXXX I wired {$2500.00} and their bank received {$2300.00} before they took out more fees. 

On XX/XX/XXXX I wired {$1000.00} and their bank received {$980.00} before they took out more fees. 

Citibank charges me {$27.00} for each wire ( separate from the amount I wire ). I called Citibank upset because they do not disclose additional fees before the funds are received by the receiving bank. Citibank told me these are intermediary bank fees, but they could not disclose how they are determined. The intermediary bank fees are also not disclosed when I make a wire. I feel like I am being cheated by Citibank, which is not honest about all the wiring fees and should be reimbursed for these fees taken, which would go to orphan scholarships.
Consumer complaint received 2024-07-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Good afternoon, I had previously reached out about removing any negative remarks from my credit report on my missed auto payments, however, USAA updated their remarks and changed my report negatively. Even if I was late in making payments, I still paid. USAA updated XX/XX/year> as a " charged off. '' It shouldn't be a charge off if I paid for that month without being late. My credit score went down XXXX points due to their misjudgment on the situation. 

I am begging that they remove the " Charge Off '' and return it back to " 90 days late '' even though it was not 90 days late. 

I attached a picture from what I'm seeing on my end. 

I am just trying to build my credit and fix previous credit errors on my part. 

Contact info : USAA Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Thank you tons. I'm hoping that any result will not affect my credit history any further.
Consumer complaint received 2024-06-10
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)

Under FCRA Section 605 ( c ), it is illegal for creditors, collection agencies, and credit bureaus to re-age an account by updating the date of last activity to extend the time negative information remains on a credit report. Violators can be fined {$1000.00} for each account.

The date of last activity on a collection account should reflect the last payment date. Reporting inaccurate information is a violation of federal law.

Upon investigating the accounts and cross-referencing the data from the original sources with the information reported to all three major credit bureaus, I am attaching copies of all letters sent below. 

I request an immediate investigation and correction of these discrepancies. Please respond within the 30-day period as required by the FCRA.
Consumer complaint received 2024-06-04
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)

I looked back on XX/XX/2024 and noticed some things are still incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because : XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate and is reporting under another company as well which has an incorrect balance. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXXXXXX XXXX ( security credit ) XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

My name is not XXXX XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/year>, i received a text message from Huntington national bank asking me if I had approved {$480.00} add XXXX, i replied no. Shortly after I received another message indicating thank you for your confirmation a Huntington representative will reach out to you shortly case ID XXXX. When I received the phone call the person that called me call me from XXXX XXXX XXXX XXXX, which is hey Huntington bank number that I verified on the back of the card. The person that called me indicated a person in florida was trying to log into my account using an XXXX XXXX, and in order for them to help me I would have to transfer money for my account, and the money would be refund back once they have taken care of the issue. I transferred {$4100.00}, and {$7500.00} into separate occasions since they were making follow up phone calls to let me know that they were working on the issue and the money was going to be transferred back into my account. On the last follow up phone call the representative told me that he was going to give me a call back the following day to assist me with two secure identifiers in order to secure my account. I never received a phone call back and that is when I decided to go to the bank and they told me I had been a victim of fraud. The manager submitted a claim that was denied because they indicated I gave permission to transfer the money which I did because I trusted the number and it was a number from Huntington National Bank. My error was that I trusted then number that is from Huntington bank thinking they were helping me not to become a victim of fraud and now the bank does not want to be responsible for what has happened to me.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

I was denied preferred insurance rates because of a claim on my LexisNexis Report. It was for a home address I do not own, in a city where I do not live. The person has the same first and last name as me. I disputed the report. It was denied, and I filed a second dispute. I provided my social security number and driver 's license. I contacted the other person 's insurance company XXXX XXXX, in XXXX, XXXX ), and her agent gave me additional information about her. She is XXXX XXXX XXXX. I am XXXX XXXX XXXX. Her home is in XXXX, XXXX. My home is in XXXX, XXXX. I have lived in XXXX since XXXX and own no property outside of our area. My home insurance policy was issued by XXXX, and we have been XXXX customers for approximately XXXX  years. I do not have a policy with XXXX, and I did not have insurance with XXXX on the date of her claim in XXXX. LexisNexis denied my dispute stating it was confirmed with XXXX. However, the phone number provided in the dispute does not link to a person. It is the address of a XXXX XXXX  in XXXX. I want LexisNexis to correct my report. I don't want her claim for this or any future claims to affect my ability to purchase insurance at favorable rates.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.