davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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)

A month ago, I sent the XXXX  credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Signed up on Nelnet for auto-payments early on. On XXXX, the first payment of {$530.00} was due. On the XXXX, I checked bank records-nothing removed and no communication from Nelnet indicating problem. I gave it another day, thinking it was taking time to remove from bank. On the XXXX, I checked my bank info I input in autopay on Nelnet and realized I made mistake inputing account info, so I immediately fixed it and placed in my XXXX total due for XXXX. It went through on the XXXX and was taken out of my bank account by XX/XX/XXXX, but Nelnet amount did not indicate this amount. It showed XXXX total due!! Nelnet account showed a {$390.00} past due amount on a XX/XX/XXXX statement totaling XXXX, with no indication of the XXXX paid. Ive been attempting to contact Nelnet everyday during this time, on hold for over XXXX hours before I HAD to hang up to work. I've sent email to Nelnet, where they sent this : " Our records indicate that your auto debit loan payment has been returned because your bank account is closed. Your payment is now past due. In order for auto debit to be reestablished on your account, you will need to complete a new auto debit request. 

To request auto debit again, please log in to your XXXX account and select Manage Automatic Payments from the Payments drop-down menu. Follow the instructions and agree to the terms and conditions. 

Please remit your payment for {$780.00} upon receipt of this notice. Late fees* may be assessed to your student loan account per the terms and conditions of your loan ( XXXX ). '' There was no indication, no communication, and no explanation of why this {$390.00} was added and no acknowledgement that my actual monthly due payment was received, which is was as indicated in my bank statements. According to Nelnet, there are 15 days to get payment in, which mine was but if they are expecting the additional {$390.00}, which has not been explained or properly justified, I will not be paying it until I gain understanding of why and how that could even happen. I will continue to make my monthly payments. I acknowledge that Im the one that input the wrong digits in autopay, which I corrected within a 5 day period, so why and how can this company create fraudulent expenses when it was within the grace period and was a total mistake on my end, which was fixed immediately. Why is there no one in customer service answering phones, leaving borrowers on hold for over an hour and a half. I never had problems with XXXX but Nelnet bought them out and the first payment, I'm getting fees for things that don't make sense. All I want to do is pay my loan, not get into more debt because of their fraud. Please help, please. What do I do? Thank you for taking the time to read this. I have all necessary documentation to demonstrate I'm doing everything I can to understand and make this right.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

2 Fraudulent Hard Inquiries 
Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX  Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX  VA, XXXX  Phone number: XXXX XXXX  
Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX  Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX VAXXXX XXXX
Phone number: XXXX XXXX
Consumer complaint received 2023-06-23
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

In accordance with the fair credit reporting act this creditor, XXXX XXXX, has violated my rights under 15USC1681, section 602 states, " I have the right to privacy. '' 15USC1681 Section 604A, Section 2 it also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15USC1666B, " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. ''
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

Within 5 days, after trading coins and being forced to pay extremely high amounts of money to do so, Coinbase then locked my account due to a bank transfer confusion. During this time I had no way to access my account and watched as they drained my balance.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is in violation of the Georgia Statute of limitations OCGA 9-3-24, OCGA 9-3-25 and FCRA. Experian is continuing to report debt with XXXX XXXX in the amount of {$300.00}. The mentioned debt is over 7 years old as of XX/XX/2017.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I receive 5-10 phone calls daily from Credit Acceptance . It is no person, just an automated message. I have never done business with this company, nor has anyone in my household. I can not decipher whether they want to collect a debt that doesn't exist, or advertise their financing options.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

I have a few inquiries on my credit from XXXX, XXXXXXXX XXXX XXXX XXXX ALLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TWICE.. I did not authorize these inquiries XX/XX/ 3 of them XXXX XXXX XXXXXXXX, XXXX. Was told to contact the credit agency they say contact the inquirer its just been a back an forward thing.. no I have fraud alert on my account for a year..
Consumer complaint received 2023-04-22
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX 
XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$640.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
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. (TX)

My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. Experian, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXX - XXXX XXXX- amount {$2800.00} - XXXX XXXX- XXXX XXXX
Consumer complaint received 2023-06-23
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2023-10-20
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I signed a contract for Solar Panels on my XXXX Florida home through Dividend Solar. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application. 

Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels. 

I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved. 

I have the original signed contract, which states " If, for any continuous twenty-four ( 24 ) month period during the Guaranty Period, the Actual System Output is more than fifteen percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( 24 ) month period, as set forth in the Work Order related to the PV System, Contractor shall be obligated to cure any shortfall such that Actual System Output is within ten percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, Dividend finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract. 

I discussed the findings with Dividend, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point Dividend charged off my loan and it destroyed my credit. 

I have contacted XXXX, and filed a dispute, since this was clearly a breach of contract case. XXXX closed the dispute, and the negative entry still remains on my credit report.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I deposited a cashiers check. USAA has decided to hold that money for XXXX  days even if the federal reserve transfers the funds. This is a blatant attempt to stall my deposit while they collect interest on it.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am writing this complaint because I was notified via mail of an XXXXXXXX XXXX account that has been placed into collection. This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. My parents have lived in the same house all my life and their address is not the one where the XXXX account was used. I have NEVER had any services with XXXX. As a matter of fact, back in XXXX I was a victim of identity theft and had to dispute a previous XXXX account that was opened using my identity. That dispute was successful. I have reached out to XXXX who is both the original and current creditor, but all attempts at having this account removed have been unsuccessful. I have also reached out to I.C. System Inc to dispute the ownership and inaccuracies of this account with no result. I have attempted to have this resolved many times since first being notified of its existence almost 3 years ago.
Consumer complaint received 2023-11-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my extreme dissatisfaction with the claim made by your company that I am legally obligated to pay a debt to XXXX XXXX XXXX XXXX. Before I even consider making any payment, I demand the following documentation to validate the legitimacy of this debt. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. Please note that I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to take further action to protect myself if these demands are not met within the statutory time frame. I expect immediate compliance with this request. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

Dear XXXX, I'm writing this letter to complaint Zombie second mortgage debt collectors come back to threaten foreclosure my house In 2008 I filed bankruptcy in L.A. and I believe my second mortgage ( XXXX ) have been written off or forgiven, the last payment I made to them was in 2008 since then the mortgage company gone silent or no communication for long time last week I received notice pf default and intend to foreclosure letter from debt collector said I need to pay {$150000.00} or foreclosure my house CFPB issued guidance to protect homeowners from zombie second mortgage please help me out and advise.
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

Venmo has let several transactions go thru that where deemed in violation of their user agreement process to the account and got one time did Venmo block, deny, or contact me to let me know that sports wagering wasnt allowed thru Venmo I havent did anything fraudulent on my account at all and Venmo did not stop any payments or deny any transactions on my sports wager for 1 year so I was under the impression that I could use my debit card on sports wager Im in a state where it is legal to bet on sports wager apps so I havent did anything fraudulent at all and all of a sudden you guys put a hold on my account on XXXX XXXX this is unacceptable why let several transactions go thru for up to 1year and now say I cant bet on any sports app and put a hold on my money that is rightfully mines and not fraudulent at all for 180 days this is unacceptable.. the XXXXt time I made a purchase on sports wagering app you guys was suppose to cut service with me right then or you guys system u say that has control and over sees the integrity of Venmo policys was suppose to alert someone and not let several of the same transactions that are so called goes against paypal and Venmo policies and user agreement go thru several times with no problem for a year Venmo was suppose to cut ties immediately thats what the policy says not wait till 1 year later and I have my whole life savings in my account to put a hold on my money for 180 days and close my account thats unacceptable. And I have PayPal and have made the same transaction and still to this day have made the same transactions on Venmo I have made on PayPal and never not once no one has said I suppose to get permission to place sports wagering bets.. PayPal and Venmo are brother sister digital transfer platforms and PayPal has yet to put a hold or block on my account I have proof that Im going to provide as well but this is so unacceptable for you guys to hold my money I demand my money right now because you guys arent holding those same user agreements and terms that both Venmo and PayPal share to the fullest this has put me in a financial hardship I have lost my car, house, job, I am currently homeless and you guys are holding anything I have left to my name for 180 days and thats unacceptable because you guys arent being fair at all this has made me sick as well and I feel that if I dont get my money as soon as possible I might die so this is very serious I am on XXXX XXXX XXXX XXXX XXXXXXXX and only have very little money left to serve on I demand you guys let me transfer my money out of my Venmo account immediately and close the account. I have attached several documents that contradicts PayPal and Venmo policy and user agreement you guys let several so called violation transaction go thru for 1year and never block, hold, or close the account until now why this is unacceptable and I demand my money be released immediately asap..
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I RECEIVED A CREDIT ALERT THAT A NEW COLLECTIONS FROM XXXX  IN THE AMOUNT OF XXXX, THE 3RD PARTY COLLECTION AGENECY IS ENHANCED RECOVERY COLLECTIONS, THIS ACCOUNT DOESNT BELONG TO ME, PLEASE SUBMIT A ORIGINAL CONTRACT AND IDENTIFICATION. PLEASE REMOVE THIS FROM XXXX, XXXX AND XXXX