davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

I received the discharge of a significant portion of my student loans due to close school discharge. I was attending the university XXXX XXXX XXXX XXXX. They automatically applied the discharge amount to other loans I had versus sending me a full reimbursement check. Instead of over XXXX being received I only was supposed to receive now only {$1400.00} which they sent to the wrong address after I updated my address with them.. I requested for the check to be re-issued it has not to this date. It has been over six months since I asked for the check to be re-issued but ultimately, I still have it issued with them automatically applying that discharge amount to other loans without my consent. I feel I shouldve received the full discharge amount back and had my choice about how much was going to be applied towards other loans.
Consumer complaint received 2023-12-18
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. (CA)

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. My identity was stolen and there are negative items on my credit report and I believed those are the results of fraudulent activity.
Consumer complaint received 2023-07-10
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. (IL)

The moment I received the duplicate of my report that I purchased with XXXX XX/XX/2023, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-08
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 (GA)

My dad sent me {$1800.00} XXXX XX/XX/XXXX to put down on an apartment. I initially tried to pull all {$1800.00} out and it wouldnt let me so I pulled out {$900.00} in increments of {$300.00} over the course of a day per the instructions of their customer support. Then I logged on yesterday to try pulling off the rest and was told I was permanently banned from the service and they would be holding my money for 180 days. In the meantime Im going to be made homeless. I called customer support today and they couldnt have cared less she would give me information on this made up fraud or why money from my dad is risky or anything else. I didnt do anything fraudulent. I need MY money.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CA)

On XX/XX/2023 I booked a vehicle rental through XXXX paying {$1000.00}. On XX/XX/ I went in to get the vehicle and had a deposit snag at XXXX because my license had the incorrect number on it from XXXXXXXX XXXX XXXX ( I submitted a picture of my ID to XXXXXXXX XXXX XXXX  ). A XXXX associate had to put the correct License number in the database at the time I was checking out. XXXX had previous information that was still not updated or correct, so I was on their " XXXXXXXX XXXX XXXXXXXX XXXX '' list. This now was put in the XXXX system during my checkout. I was told to call XXXX up at the desk to sort out the situation. I spent a good amount of time that day on the phone with XXXX and reaching out to XXXX XXXX. When the refund was denied I told my Bank ( Bank of the West ) what happened. Then XXXX XXXX from Bank of the West reached out to me and asked about my situation. After I sent him the information an Adjustment Credit of {$1000.00} was added on about the XXXX of XXXX XXXX  The Investigation was started on the XXXX of XXXX. On the 96 day after, XX/XX/ BMO Did a provisional credit labeled as XXXX Liable Debit Transaction to my account of - {$1000.00}.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (TX)

Arm Solutions, Inc has billed XXXX XXXX for collecting money allegedly owed to the XXXX XXXX XXXX for newspaper. Mrs. XXXX is XXXX years old and legally XXXX. I contacted the XXXX  XXXX XXXX and spoke with a customer service representative who agreed to remove the debt. I then called ARM Solutions and spoke first with a representative, then with a supervisor. I advised them that the XXXX   XXXX XXXX was removing the debt. I also advised them that as Mrs. XXXX XXXX attorney, they are to cease contacting her and send any further correspondence to me as prescribed by the Federal Fair Debt Collection Act. They refused to even take my name, address and phone number according to their internal practices. If they continue I will take appropriate action, but I believe that company deserves this complaint. 
Mrs. XXXX address is XXXX XXXX XXXX AXXXX XXXX, XXXX XXXX, MO XXXX. My contact information is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Arm solutions contact ins XXXX XXXX XXXX, XXXX, CA XXXX, phone XXXX - collection account number XXXX XXXX XXXX. ARM solutions refused to provide contact information to me regarding its legal department.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MA)

On the XXXX through the XXXX XXXX, my XXXX XXXX was hacked into and unfortunately was still linked to my bank account they were able to drain it over a period of night through 17 different transactions. Until I had nothing left. I have been fighting with my bank over this for the past week, they have tried to deny me two times and I'm on my third rebuttal. XXXX XXXX will not help me, and I don't know what to do anymore.
Consumer complaint received 2023-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (LA)

Sequium Asset Solution is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$1600.00}. I have not signed any contracts with Sequium Asset Solution. Nevertheless, Sequium Asset Solution should not be in receipt of my medical information. This is a violation of my XXXX rights & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This bank account was opened as XXXX many many years ago. XXXX was acquired by ING Direct, who eventually were acquired by CapitalOne. I had a scheduled bill pay for my rent that would ship the XXXX of each month for delivery by the XXXX. It's been in use for about four years and never been a problem. The XX/XX/XXXX payment went out as expected ( and fully funded ) on XX/XX/XXXX but on XX/XX/XXXX, my landlord called to inform me that the payment did not arrive. I expedited my landlord a paper check ( which cleared immediately ) and called the bank to stop payment. I was told I could receive provisional credit within 10 days, but it may take 45 for the dispute to be closed. The check did not arrive as a result of a failure by CapitalOne to deliver it by the promised date. The stop payment should be instantaneous ( this is XXXX after all ) and the funds should be returned to my account immediately ( or next business day, at the very longest ). I've now called twice, had my call escalated to a manger on both calls, and been told there is nothing they can do. At this point, all I want is my money back and to close my account. I'll never do business with this bank again.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (SC)

XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (FL)

I was denied from a rental property due to information reported on the consumer report from safe rent. I received the denial letter with a attachment of the information safe link provides and under XXXX history it states they provide felony convictions, which I dont have and shouldnt have been reported on my background check because its inaccurate. When I called safe rent on XX/XX/2023 I was told by the representative that I had been issued a adverse action due to a arrest ( not conviction ) that has a court ordered Expungement in effect.
Consumer complaint received 2023-12-18
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. (PA)

Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). Collections are illegal per 15 U.S. Code 1681c ( a ) ( 4 ). I did not give you permission to report on my consumer report. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any information to my consumer report. This highlighted entry must be deleted per 15 USC 1681c ( 4 ). I demand that this account be removed.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to contact Transunion to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance period. I have late payments on my report that I want to be removed because I am a victim of XXXX XXXX and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of XXXX forbearance period.
Consumer complaint received 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (TX)

Yes, maam I had a transaction of XXXX dollars from a company called CashnetUsa on XX/XX/XXXX I received the payment on the XXXX but I also called the company to say I did not want the money am before that time my account was negative XXXX when the money came I was no longer negative, because I didnt have money to pay loan back I called the company and made a request to cancel and they did from my knowledge the women named ( XXXX XXXX XXXX Illinois was my customer service helper I have screenshots ) canceled the funds the same day an took them out the next day, I seen my statement I was back negative on XX/XX/XXXX now they are trying to keep charging me XXXX a month for money I didnt use and gave bac If thats the case I will close this account permanently They decided to recind my offer like I want the money back Can we fix this
Consumer complaint received 2023-06-08
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. (CA)

Kindly consider this as a follow-up to my previous complaint which contains accounts that are erroneous and misleading, and I want the accounts to be removed as soon as feasible. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

This account has been getting reported as delinquent for XXXX years and Discover continues to validate the account with contradicting documentation. 
I have attached XXXX letters by Discover, XXXX where it says the balance on the account after the closing date was {$0.00} because a security was applied, and XXXX saying that the debt was cancelled. Yet this account is still being reported as delinquent. 

I have submitted complaints about Discover multiple times throughout the years, yet nothing has been done.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (WA)

The issue is that Discover Bank 's systems do not work and have me locked out of all my accounts. 
I moved and do not own a cell phone. I had to get a new landline phone number when I moved. When signing into Discover Bank website they send a code via phone but do not have my new number. I phone the bank to give them my new information. I followed their instructions exactly : I printed out their webpage ID verification form, went to a notary, filled it out and got it notarized. ( file attached ) On XX/XX/XXXX I uploaded the form on Discover 's upload page which said upload was successful and received an email verification of the upload. ( File attached ) They told me it would take about XXXX  days, to call them then. I phoned and they could not find my form even though I gave them the confirm # that is in the email. ( XXXX ) They told me to upload it again, which I did twice more each time their page said upload successful but I never got an email confirmation for either of them. I called and they could not find either one. 
They still could not find any of the uploads XXXX days later and told me to take it somewhere I could fax it to them. I faxed it from the library on XX/XX/XXXX and received an email verification of that transmission. ( File attached ) They told me that they received faxes immediately and I could call to verify they had received it. I phoned them but they said their fax system was down. I checked again before closing time and it was still not functioning. 
I phoned the next day, XX/XX/XXXX and they said they have it and I could phone before closing time to check if it was processed. I phone back and they said they couldn't find it. I phoned again on XX/XX/XXXX around XXXX EST and they said they are working on it, but it still is not processed. 
Meanwhile they have automatically renewed a CD I did not want renewed and they said they could not change that until my ID is verified. 
I asked to speak to someone who has some authority there to handle such problems, but they did not provide anyone. 
My old phone that is still on the account was ( XXXX ) XXXX. 
My new phone is ( XXXX ) XXXX which they need to put into my account so that I can sign in.
Consumer complaint received 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I was told the payment information would be available online when I opened my account on XXXX XXXX. This was not true. I also was not able to see the documents and just was shown boxes to sign in the store. I felt pressure to accept. I was not given information of how much my payments would be and how much was principle or interest. My minimum payments keep increasing and the terms of the loan were not transparent. I called and was informed on XXXX XXXX, that this was intended to be a XXXX  day loan but rolls over monthly. This was not clearly communicated. This feels like a scam.
Consumer complaint received 2023-11-09
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. (GA)

I XXXX XXXX : I hereby submit a formal complaint against TransUnion AND XXXX XXXX  for XXXX XXXX AND XXXX XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : TransUnion AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX XXXX AND XXXX XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for NELNET to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account NELNET - XXXX NELNET - XXXX XXXX XXXX XXXX XXXX XXXX XXXX