davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

I submitted a XXXX  complaint against santamder bank after several failed attempts to dispute and solve directly with the company. And their response the company admits that upon my update of my bank information that the automatic payments were stopped although they do not admit it was stopped on their end and did not address my disclaimer that from my website point of view it looks like everything is set up correctly and I was given no notification that when I updated my banking information it was going to automatically stop my automatic payments and I had a late payment on my account because of them that they will not remove after asking
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CO)

Credit bureau reported me delinquent for {$400.00} XX/XX/XXXX. XXXX originated with XXXX. XXXX was transferred to Security Credit Services ( SCS ) who turned me in for collection. Contacted SCS XX/XX/XXXX and communicated with XXXX XXXX who eventually sent me the contract which I received XX/XX/XXXX. This was a lease/purchase for an I-phone initiated XX/XX/XXXX. XXXX showed my name, date of birth and social security number. The email address was unknown to me. There was no residence address provided. Recurring payments were taken from my checking account via my debit card from XXXX through XXXX XXXX XXXX XXXX XXXX. Received new debit card for other reasons which halted payment. Informed SCS this was a fraudulent transaction. They removed me from collections pending outcome and suggested I contact XXXX. I reported this fraud to XXXX XXXX XX/XX/XXXX but haven't received a response. I've never used XXXX, I did not make this purchase, and I did not receive any product. Please assist with clearing this debt and, hopefully, recovering the lost funds. Thank you!
Consumer complaint received 2024-05-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (CA)

I had a spend acct. with credit karma due to filing my tax return with XXXX XXXX last year in order to receive the return faster. I again used XXXX XXXX this year and again they asked if i wanted to use the spend account to receive the return and i said yes.A few days later i got a letter from credit karma that the account had been closed and a check for the balance. Thed did send emails in XXXX XXXX and XXXX about the situation but I missed them.As it was too late to change the tax return I called credit karma and was told my return would be sent back to the irs as the account was closed. However, on XXXX XXXX my {$600.00} return was sent too AND accepted by credit karma.They had NO legitimate reason to accept the deposit. Not only was i told by their representative it would be returned but the email they sent on XXXX stating they had closed the account also says, and I quote " Any transactions that are presented to your account after it closes will be denied or returned. " They admit they have the money and they admit they have my correct address, yet after almost 3 month and endless call and emails they still have it. They claim to have sent XXXX checks so far but they never come.I dont belive they send them and they intend to keep the money.At this point they are no longer responding to emails and their call center is usless.I filed with the XXXX  to no avail.They resond with dates that allow for the case to be cosed without them actually doing anything.The checks never come. I am not alone there are hundreds of complaints just like mine with the XXXX.Nobody does anything about it.Gentlemen, your whole reason for your existing is so somebody can do something about it. Credit karma has already proved they use deceptive practices as they were sued and lost because of it.Im a XXXX XXXX XXXX vet, I cant afford to sue them and I need that money. Please help. They aready claim to have sent XXXX checks already but they never come
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

If account has been Charged off, please provide a 1099 and all statements that have my full name ( XXXX XXXX XXXX XXXX ) and address of my drivers license. If you can not provide this, please delete from my credit report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (FL)

i have sent in numerous letters asking for these items to be removed off my credit report due to reporting violations FCRA VIOLATIONS FDCPA VIOLATIONS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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  has violated my rights. Or a 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 2024-06-13
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION (CO)

XXXX XXXX XXXX, in conjunction with Sallie Mae, used predatory practices, so I would enroll and take out over {$64000.00} in private student loans. They took advantage of my family 's lack of knowledge of lending and the education system to make me feel like enrolling and taking out loans was not a high-risk because of the success rate of their students.

I was XXXX  from the fall of XXXX through summer of XXXX. 

While I don't have documentation because most of these tactics were used over the phone or in person in the admissions office, there are many law suites proving their preditory practices. They told me that their degrees had the same accreditation as XXXX XXXX. They also lied about the success of their graduates and their starting salaries. 

My federal student loan was recently refunded because of their egregious behavior. 

They sold off one of my loans to another creditor. I did not receive notice of this, and when I contacted Sallie Mae to make sure this other company trying to collect wasn't a scam, the employee couldn't find any documentation of this. The company they sold it to looked about as fraudulent as they came. Finally, once we were on the path to their fraud department, they finally found it.

Sallie Mae has been so predatory that I have ended up in a XXXX XXXX XXXX XXXX XXXX XXXX. They would relentlessly contact me and people who have nothing to do with my finances.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Expanse Financial Technologies, Inc. f/k/a Prepaid Ventures, LTD (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-06-12
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: Resurgent Capital Services L.P. (GA)

XXXX, XXXX, & LVNV FUNDING LLC is reporting an allege collection that I refuse to pay. I did not receive my notice of my right to dispute this debt before it was added to my consumer report. Neither consumer agency provided me with any evidence they did a reasonable investigation to validate this debt.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

FCRA Violation : names and address not mine XXXX XXXX FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX I FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

AMERIFINANCIAL SOLUTIONS-Account 's Date OpenedXXXX Account Current Balance : {$930.00} ( XXXX only ) AMERIFINANCIAL SOLUTIONS-Account 's Date OpenedXXXXAccount Current Balance : {$630.00} ( XXXX only XXXX XXXX XXXX-Account 's Date Opened : XXXX-Account Current Balance : {$1200.00} XXXX XXXXAccount High Balance/Original Balance : {$10000.00} XXXX XXXX-Account 's Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Account Current Balance : {$640.00} {$640.00} {$640.00} ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info
Consumer complaint received 2024-01-13
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC (PA)

As a consumer I have been violated and harassed numerous times from debt collectors with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt collectors attempting to collect debt and harassing me with multiple email and threats of being sued, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-06-12
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: Resurgent Capital Services L.P. (GA)

XXXX & LVNV FUNDING LLC continue to violate my consumer rights by reporting this account even though I have no obligation under federal law to pay this debt. Since this deals with securities its a federal matter and no court has ordered me to pay this debt and the instrument that is being held was transferred and assigned but perfection of the security interest was never registered therefore no valid lawful claim exist.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SECURITY FINANCE CORP (GA)

Accounts opens without my knowledge. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, security finance, and XXXX different XXXX XXXX accounts were all opened without my knowledge. Also all inquiries are not mines and gave no consent to run my credit
Consumer complaint received 2024-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX continue to report my personal information incorrectly. My name is XXXX XXXX there should be no other name or names listed on my consumer report. My address is XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my consumer report. I have attached my identification and proof of my residency update my report immediately.
Consumer complaint received 2024-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion XXXX XXXX are both reporting an alleged collection account XXXX XXXX  Account # XXXX that has not been properly validated or verified as belonging to me because I have no lawful obligation to pay a third party debt collector and I did not receive my rights to dispute this account before adding it to my consumer report.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NJ)

IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2024-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion continues to report an alleged collection account and has not validated this information before they added it to my consumer report. Under my federally protected consumer rights I have a right to dispute any information before it is added to my consumer report and I have received no such notice.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

i don't want to lose my car its all i have for my family ive been struggling with health issues i've had XXXX 3xs and it has really affected me in performing work duties ive had part time jobs and not making enough please help me keep my car so i can keep looking for work and keep on going and so i'm able to take my children to summer school and i'm able to maintain with my daily activities with my XXXX children im a XXXX XXXX  whom has gave all my strength to maintain a living and no matter how i fill i still give it my best to wake up and live a better day and put a smile on my children faces i lost my job recently do to labor shut down and over stacked in employees. so they laid me off and im back to stage one my stress and XXXX and heath issues really bring my life down but like i said earlier i'm trying to keep my head up and going out there looking for work so i can maintain a living and a life im given please help me keep my car. i dont want to lose it thank you and XXXXXXXX XXXX you all XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Nelnet keeps auto charging more than once a month. I have my auto payment set to one-time payment. Tried calling them and wait time is close to 2 hours. It is not fair to be charged more than once when only one payment is scheduled. Their website is not showing payment history. Nelnet is a joke and needs to be reprimanded for what they are doing to students. A lot of posts are online from people who are experiencing the same issue. In XXXX and XXXX, there were two charges when I only scheduled one.
Consumer complaint received 2024-01-10
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. (CA)

On XX/XX/2024, I submitted a letter to Equifax declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Equifax has yet to take any action on the removal of these accounts from being publicly disclosed. It is Equifax 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Consumer complaint received 2023-12-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IL)

I have 5 Visa gift cards issued by US Bank that were purchased from Kroger that are now almost impossible to use. Transactions are declined at normal stores like XXXX and Kroger. This was not the case in the past. They seem to have added rules about how the cards can be spent that are not disclosed, and which may have been designed to increase the likelihood that the funds are never spent at all. Additionally, the XXXX  website does not work, so I can not register the cards to be used online. It accepts my input of card number and security code, but then does not load a page for the card 's information. This may also have been by design to limit use of the card. 

These cards are so problematic, they have been completely removed from store shelves in my area and are no longer for sale. 

The purchase restrictions may not be compliant with the CARD Act.
Consumer complaint received 2023-10-30
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. (WI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX