davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (CA)

In XXXX 2023 my student loans with Nelnet services were discharged and closed by the XXXX XXXX XXXX XXXX XXXX due to recently becoming a totally XXXX Veteran. In XXXX of 2023, XXXX notified me via XXXX XXXX of my Nelnet student loan account becoming 90 days delinquent at the time of discharge. However, I have no personal record of delinquencies in the past year according to my Nelnet statements. I disputed this matter with XXXX resulting in XXXX change to my credit report. Upon contacting Nelnet about this matter, I was told they have no record of any delinquencies and pointed me in the direction of the XXXX as they were responsible for my loan discharge. XXXX says they have no responsibility in credit reporting on my student loan account and to speak with Nelnet about this situation. On Nelnet I have no access to any statements within the 90 days period prior to XX/XX/2023. The most recent statement I have access to is XXXX of 2023. I have no access to official documentation except a screenshot showing that I no longer owe Nelnet.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank in their financial process is strangely mistakingly charging for my rewards I redeemed back in XXXX, XXXX to be exact XXXX  to my credit card. According to Comenity Banks Customer Care Team, the payment that was issued to me in the form of a refund check should have been done by direct deposit. 

I have corresponded with the Comenity Bank in writing and their investigation found nothing and thus my case was closed. I have since made numerous phone calls to the Customer Care Team and have discovered the onus is on me to explain to the dispute center THEIR error to correct the matter. They have no way to communicate with the dispute center! Absurd! Now I have to mail 12 page documents to the credit bureaus and CFPD to dispute a case.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Today I recived an email saying my account will be closed in 60 do to a account violation. Where the specifc 's are not explain. I was informed that I violated the terms of your account per the client manual. With XXXX explination of what that violation was. This is one of my only checking accounts and I now feel TARGETED after thier action upon thier review.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (CA)

I have continued to receive daily and harassing phone calls from a debt collector Sunrise debt collection agency in XXXX Ca. I have not received a voicemail message from them regarding my alleged debt or any information from the debt collector. I just get harassing phone calls then get hung up on. I have blocked one of the main numbers and have started to receive more calls from a new number. I have tried calling back and was hung up on. This is harassment especially since this company has not formally identified why they are calling me.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ID)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-23
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: SANTANDER HOLDINGS USA, INC. (NY)

I have a installment loan from 2018 on my credit I never took out for a car I have no knowledge of Ive recently started working on my credit recently so I never new this was attached to my name I filed a report with ftc im waiting for a response Ive even contacted the company myself they said the car was returned and they cant do nothin about it and I owe XXXX XXXXXXXX XXXX somebody told me to contact this website to seek help I really dont know what to do and its reported twice on my credit if you can contact me at XXXX to let me know how to go about this would be perfect thank you
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

They said it'll take 2 months to show me loan payment history ie : all payments made after 2009 of US Department of Education to nelnet to accurately show This has been ongoing to nelnet for 5 days
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/ I was scammed on FB by someone by the name of XXXX XXXX who hacked into someone I thought I knew. They used her account to advertise some products for sale. As a result I was scammed out of {$350.00} which was sent to and email address XXXX which was used for the XXXX transfer. As soon as I discovered the scam on the same day I reached out to Chase and ask to stop the payment they say it was too late so I entered a claim which was denied. I just dont understand how come they cant retrieve the fund the same way they transferred it. I know theres a lot of people who are suffer the same financial loss and Chase refuse to help in recovering their funds.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

My son was XXXX in his main XXXX, XXXX traveled to his XXXX XXXX   shattered his XXXX in XXXX, into his XXXX XXXX, and now it is lodged in his XXXX. He had a XXXX XXXX, XXXX, and a XXXX XXXX  which required XXXX. He will have another XXXX later this morning, XX/XX/2020. I have Power of Attorney of my son because he is XXXX at this time. I have reached out to XXXX XXXX and Cash App with no response.
Consumer complaint received 2023-01-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

rash Curtis and associates is repeatedly calling me and impersonating both the medical office and an attorney pretending that I owe money for which I do not. I have already spoken to my primary health insurance provider XXXX XXXX and they informed me that I do not owe this provider money because they did not properly submit the claim. The provider sent the amount of money to a collection agency, rash Curtis and associates, instead of properly submitting the claim through the insurance company. Rash Curtis has claimed that it doesn't matter whether I owe the money or not, since I didn't respond to an initial letter many months ago, I now owe them the debt. They have never verified the debt with me they refused to send me any documentation proving that I owe the debt. They have transferred me repeatedly throughout departments claiming that I'm speaking with the law department or legal division. I have informed them to stop contacting me and that I had an attorney with whom they must be, and they refused to go through my attorney. I do not owe this money. I have already hired an attorney to have it legally removed from my credit report. Rash Curtis continues to call me and harass me. The most recent phone call they alleged that they were calling from the California XXXX XXXX in XXXX XXXX the doctor 's office who initially failed to properly submit the medical claim. 
yesterday was the most recent phone call. Prior to that they have called me every 30 days without fail. They have lied to me on the phone and harassed me and threaten me with legal action if I do not respond even though they have failed to submit documentation that I owe the money. They are harassing me and using abusive language.
Consumer complaint received 2024-04-24
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. (NC)

I am 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 Equifax.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

The XXXX information in my credit file is the result of the unauthorized use of my social security number and other personal information. These accounts do not relate to anything I authorized or participated in. Additionally, the information on my report does not comply with the credit reporting law. I have evidence supporting a letter from the XXXX court of the XXXX XXXXXXXX XXXX XXXX United States. 
Again, I did not consent to my non-public information being shared and reporting on these items is neither fair nor equitable to me as a consumer. The following legal provisions describe my rights as a consumer:15 USC 1681 Section 602 A : Establishes my right to privacy.15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from providing an account without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include adverse information that is out of date.15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits providing information that is known to be inaccurate.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Account number : XXXX An account was placed under my name erroneously. Since then, PORTFOLIO RECOVERY ASSOCIATES have damaged my name, and my credit. PORTFOLIO RECOVERY ASSOCIATES has entered derogatory information into my credit file. I'm requesting the account be deleted from PORTFOLIO RECOVERY ASSOCIATES company records and the three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) the account your company placed is a false one. I did not order or received a product\services I am writing to dispute a fraudulent charge on my account. I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Consumers Desired Resolution : I'm requesting the account be deleted from PORTFOLIO RECOVERY ASSOCIATES company records and the three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) ASAP In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) )
Consumer complaint received 2024-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (IL)

In XXXX  I bought a car from XXXX XXXX XXXX. After XXXX year paying my fees I missed XXXX payments and my car was towed without any prior notice. I was away for almost XXXX weeks due to my job and on arrival I got to know my car was sold. The XXXX informed me that the amount they sold my car covered towing expenses and we are all set. Taking into consideration the the total sale price XXXX $ with XXXX $ base price and my XXXX XXXX and all the repairs Ive already done to car I was sure they just took advantage of me. But decided not to take any actions at that time as Ive just lost my job due to the pandemic. What a surprise I got when after almost XXXX XXXX I have received a notice from a collection. Therefore now I want to verify my debt and ask the collector to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. XXXX that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Consumer complaint received 2024-04-24
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. (ID)

Trying to dispute old accounts that are either paid off or closed and all three credit reporting agencies won't do nothing. Except for changing dates amounts so items can be on my report longer. Even when they say they investigated and they change the years or amount and they tell me it remains. This goes for disputing hard inquiries to personal info. IAM not happy with the agencies cause they can't do anything right except for fraudulent changing accounts
Consumer complaint received 2024-01-23
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (VA)

I, the consumer and natural living person, was denied credit by Synchrony Bank when I applied for a credit product with Belk.

Denial of my rights to credit is against the law according to the Equal Opportunity Credit Act and you are subject to criminal liability for violating 15 USC 1691 as I have pr
oof I was discriminated against by Synchrony Bank due to the response I received.

I, the consumer, made an application in good faith, but credit was not issued. Hence, Synchrony Bank is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002.

Because my social security number ( credit card ) was used and I received NO Benefit from entering this contractual agreement. This is proof of securities fraud and unauthorized use of my personal credit card by Synchrony Bank. 

If Synchrony Bank denies to make any reasonable effort to remedy this situation and compensate me for the use of my securities ( credit card ) I will make Synchrony Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

Failure to remedy this situation will result in an invoice for {$1000.00} per violation. 

Thank you, XXXX, XXXX XXXX ( Agent/Beneficiary ) Without prejudice All natural inalienable rights reserved
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I had a contractor by the name of XXXX XXXX met with me at my house for the second time concerning some work needed to be done to an XXXX XXXX a house that I owned. I asked for an estimate and work details based on our conversation of XXXXupon meeting with him on XX/XX/XXXX after going over the document I noticed some issues which I wanted to address further but as I was talking to him the door bell rung and I want to get the door. Upon returning he informed me that the stuffs mentioned would increase his labor cost since we could come to an agreement I stopped with signing of the agreement thus ended my conversation with XXXX. The next morning at about XXXX upon checking my bank account I noticed a check I had written based on the initial payment agreement that was not handed to XXXX was missing from my check book. I reached out to Chase Bank and informed them of the situation. I was told the check was cashed so I entered a claim. A week later upon checking on my claim I was told I would not be reimbursed although my check was stole by the contractor.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I am unable to access my Nelnet student loan account. I have no access. My account and password information is not accepted. When requesting to reset password ( thinking this will help ) I am told that a reset link was sent to my email. It never is. I've been trying since XX/XX/XXXX. Nothing works. 

Along with repeatedly trying the above, I have tried to call. The phone system is barely audible, fuzzy, and has extremely long wait times. When the automatic prompt asks me for my information to speed up the process, I enter my soc sec number and XXXX but get the same results. The system does NOT recognize me and loops me back to waiting on hold. 

On XX/XX/XXXX I sent the following message via their online inquiry form : " Since XX/XX/XXXX, I have been trying to access my online Nelnet account without success. I have requested the ability to reset my password ( by selecting the link provided on your site ). Each time, the Nelnet site says it is emailing an authentication code. I never receive this code or ANY email from Nelnet. For months I have tried. For months, I do not receive the code. I diligently check my Spam and Junk email folders -- -there is no code. There are no emails at all from Nelnet. Of course, being unable to enter my account, I do not know how much I owe or when my due date is, can not enter my change of address, and, most importantly, can not PAY MY MONTHLY BALANCE. I am very worried this will affect my credit rating. Further, calling Nelnet is not helpful as your lines are very busy. Please advise what is the best way to approach this and please delete any negative reflection this will have on my end. Thanks for your help. '' As of today, XX/XX/XXXX, I have not received a response. I have not even received a confirmation email that this uploaded message within their own Nelnet website/system was received. 

This is beyond NEGLIGENT. Each month that goes by, without access to my account and without access to pay my loan, damages my credit report and builds more interest.
Consumer complaint received 2024-01-22
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: Credit Karma (CA)

1. 
XX/XX/XXXX, XXXX Credit Karma- emailed " Change of Email Address Notification from Credit Karma ''. 
XX/XX/XXXX, XXXX I responded in an email that I did not authorize this change. 
XX/XX/XXXX, XXXX I received an email response from Credit Karma Member Support ; Case # XXXX [ ref :! XXXX.! XXXX : ref ] stating they received my email and stated they will " suspend the account '' if I do not recognize the email that was changed. 
XX/XX/XXXX, XXXX I responded to this email stating '' That is not an email I authorized for use or have knowledge of etc.. ''. I have not heard anything back from this company. 

2. XX/XX/XXXX, XXXX I received 2 notifications from my banking institution that I had a " New Inquiry '' from XXXX  XXXX XXXX  . 
XX/XX/XXXX, XXXX I contacted this company and spoke with XXXX- she stated that there was no inquiry she could see on her end nor is there an account associated with my name and information I provided her. She advised me to send a letter stating that an inquiry is being reported on my credit report and to send it to : Correspondence Customer Service XXXX XXXX XXXX XXXX XXXX, NV XXXX 3. XX/XX/XXXX, XXXX- I called XXXX and XXXX advised me to report this fraudulent activity to the FTC . I am in the process of contacting XXXX XXXX XXXX.
Consumer complaint received 2023-06-12
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)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.