davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (TX)

This company is violating the law first off i don't owe them any money if they bought this debt then it is there debt they are suppose to send me a letter to inform me prior to placing anything on my credit that they are going to place something there They also have not showed me how they are involved in this matter also they have not provided me with a copy of there license to collect in Texas i mean there are several violations i have had 2 other companies claim ownership of the exact same debt
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX ... ..XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ ) that Experian review a bankruptcy on my credit report that does not belong to me. They did not accurately verify the information and only looked at the last four digits of the social security number. I initially received a 24 % interest rate on a car and my interest rate on my home is higher because of this. I have sent letters from the court and asked that they verify all information. They said they have reason to believe it belongs to me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

I was put into forbearance due to hardship loss of job during covid and also illness - I was told that the payments would be put at the back of the loan at the end of the forbearance and now they are demanding the TOTAL amount at once or they want me to do a short sale or a foreclosure If I was dealing w a hardship how would I miraculously come up w 12 months of payments if I wasn't working in the first place? This feels like a scam
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (ID)

XX/XX/XXXX  : {$170.00} fraud charge. 

I ordered protein powder from XXXX. They shipped it with zero packing material and it got damaged and contaminated. XXXX claimed the photos I sent them can not be viewed. AMEX bought this excuse and is " rebilling '' me. I demand the full amount refunded.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (TX)

all started with receiving a call from tax office for non paid XXXX  taxes. then the insurance got canceled for non payment. first my mortgage company denied the credits they received from previous lender after proving them they said they would solve it still taxes and insurance not paid.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

F

CRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama stated in the letter provided that they do no report or verify to the credit bureau.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama  stated in the letter provided that they do no report or verify to the credit bureau.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (VA)

Approved for secured credit card with Discover. XXXX security deposit and XXXX credit limit. I paid early and consistently until I suffered a work injury that rendered me XXXX. My account balance was approx XXXX I asked why they could not apply deposit to pay off amount owed and even stated to keep the amount left out of the security deposit. I was told it had been charged off, however it was not until this year and the company charged me interest up until then. I did not use the card after the balance was XXXX approx, due to not having income but Discover decided to keep the XXXX security deposit, lied about the account being charged off and charged interest on my account. It's in collections now and right at XXXX owed. I also received reward checks every so often from Discover, money back on our purchases, I received a XXXX approx check back in XXXX, XX/XX/ approx from Discover and haven't used the card. Is this legal?
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (DE)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (DC)

For approximately XXXX weeks I have been unable to access my mobile app with Pentagon Federal Credit Union. Every time I try to access my account I am locked out. I spoke with the Credit Union and they stated there is an issue with the Credit Union IT department and that some customers such as myself is having this problem. They said someone from their IT Department would be calling me but noone has called me to date. 

I need to access my mobile app to deposit XXXX checks.
Consumer complaint received 2023-11-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AR)

Ive called multiple times on a recorded line of Comenity Capital and they would confirm my address they already had on file and then they say they will send it and Ive never received it and they are charging me way more then what they said they have tried to tell me I refused statements however Ive tried on multiple occasions to get it
Consumer complaint received 2023-11-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CA)

I will be XXXX XXXX XXXX in XXXX. I applied for a Private School Loan XXXX Discharge thru Firstmark Services multiple times. The loan was originally thru XXXX XXXX and was turned over to Firstmark Services. I provided Social Security records and physician certification per their requirements. Their application only required one or the other to be provided and I provided BOTH. I went on XXXX in XXXX. In XXXX after having XXXX XXXX including being on a ventilator while in the hospital I became XXXX XXXXXXXX with XXXX XXXX XXXX including XXXX XXXXXXXX and currently am on continuous XXXX. They have denied my request despite the fact that I have met all their requirements. I also applied for the same type of discharge for my school loan thru the Department of Education and it has been already preapproved. I have already paid monthly payments on this loan for several years and it has become a severe hardship for me to pay. There is approximately only $ XXXX left on the loan.They said they offer loan discharges for XXXX XXXX and in good faith I applied. They have denied my application multiple times despite the fact that I do qualify. They have in their possession already the application that I supplied including physician certification and Social Security records.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (GA)

I opened up a savings account with XXXX XXXX, a part of Webster Bank. 
The bank is virtual only, and does not have a physical location. I had some issues creating a login but eventually, I was able to login. 
After wiring {$200000.00} of my funds into the account, I was locked out. After multiple calls and promises from the bank to allow me access to my funds, they have not done so. 
As a result, my family is suffering financial hardship stemming from being unable to access my funds. 
I need help and I need help fast.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

A company claiming to be Resurgent Debt Collector has contacted me twice from the number XXXX claiming that I was subscribed to their phone text messages on XX/XX/2023 ( I never did ), and today ( XX/XX/2023 ) they contacted me again with the same number ( despite me blocking them on my XXXX ) and saying : Resurgent Debt Collector : Save {$7300.00} on account XXXX with 1 payment of {$5500.00} at XXXX Offers subject to change. Reply STOP to opt out. I have never owed any money that has gone into collections, and I double checked my credit report to make sure that there were not any account mishaps that could lead to this. I believe this company may be attempting to conduct a phishing scam, or that they are harassing me thinking that I am someone else. I do not want to reply and Unsubscribe in case that this is a phishing scam and they are looking for replies.
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

I refinanced my vehicle in XX/XX/2022 with my bank XXXX XXXX XXXX XXXX. The bank sent payoff to the finance company Regional Acceptance Corporation. They received the check but claim they lost it. The bank sent a second check and this one did not post either because they claim it was supposed to be sent to a different address in NC and she said she threw it away. The bank calls them again and gets a good address and verifies it with several employees and sends a third check but this time its already XXXX and interest and fees have incurred and the payoff has increased. To cover the full payoff, the bank had to refinance my loan a second time, with these late charges, my payment went up and basically I got penalized for their incompetence. So on XX/XX/XXXX a Third check is XXXX  overnight and is received by Regional. They verify the reciept and say check will post in a couple of days. Today is XX/XX/XXXX. The third check has still not posted. My bank is telling my that since there was no XXXX in front of the address ( for east ) they returned the check and reversed the post. My bank asked why would you do that if you already had the check?! Whn he asked to speak to a supervisor they said she just stepped out and told him to hold. Needless to say, they never returned. My bank rep straight out told me this company is playing games. I am an XXXX XXXX XXXX XXXX and have no time to be playing on the phones as this company likes to do. I guess asking for professionalism and honesty is something these people will not do. I have already had to be stuck with late fees and interest once and I feel like they are trying to do this to me again. Please if anyone can assist with getting this matter resolved? I just want to pay off my vehicle and move on from this nightmare. These people do not care and are a second rate finance company. They should not be doing any business with anyone.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I've called XXXX XXXX several times and advised them my information was incorrect. According to my credit report. I never had lights in my name until XXXX in my very first apartment I'm currently living at. I've disputed this several times with XXXX XXXX and credit bureaus. I was told lights were turned on in my name between XXXX and XXXX. I was still able to get lights turned on where I currently live but it's showing on my credit report which is affecting my credit.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, I have never been late with this company. I have tried to make payments for the whole month of XXXX and XXXX and received errors when trying to make the payments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion XXXX : Dear Sir or Madam/To Whom It May Concern, On I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. XXXX is 30 days late. Please remove this asap. Your website and app have prevented me from making a payment in XXXX and XXXX and XXXX. see the attachment I got this same error in XXXX and XXXX and XXXX
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Starting around XX/XX/XXXX of this year someone started using my card. At first i thought it was my girlfriend so i didnt pay it any mind, but when i noticed that the transactions were getting higher I decided to confront her and she said it hasn't her. I looked into it and decided to report them as fraud because we couldnt find my card. I reported this to capital one and after making me wait 45 days they said they denied the claim because i logged in multiple times, even though i explained to them multiple times i thought it was my girlfriend. Now i lost about {$3200.00} because they refuse to hear me out. The claim ids are XXXX, XXXX
Consumer complaint received 2023-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (TX)

On XX/XX/2023 I requested to revoke ACH automatic withdrawal. I called twice and was informed banking info was deleted. On XX/XX/2023 and XX/XX/2023 the company continued to send ACH withdrawal
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from NELNET. 
Called several times on XX/XX/XXXX, was on hold for over an hour. No live person answered. 

I have attached the Copy B receipt and screenshot of my profile on the NELNET website. In viewing my profile, it reflects a different amount from previous attempts to collect.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION (IL)

I initiated the following disputes that have not been processed within the required 90-day period. It also appears that Alliant has been collecting payment for items in dispute, against FTC rules. 

XX/XX/XXXX  {$230.00} XX/XX/XXXX  {$140.00} XX/XX/XXXX  {$4.00} XX/XX/XXXX  {$30.00}
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

As I already reported via telephone, I am a victim of identity theft. I have recently learned that my personal information was used to open an account at these companys. I did not open these accounts and I am requesting that the account be closed and that I be absolved of all charges on the account. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to the fraudulent account and/or transactions. A copy of the relevant federal law is enclosed.