davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (MI)

I completed an Income-Driven Repayment Plan Request to change my student loan plan to the SAVE Repayment Plan on XX/XX/2023 on the studentaid.gov website. After the request was shown as completed on the studentaid.gov website, I received an email from Nelnet, every 10 days, stating that my request was being processed. After one month, on XX/XX/2023, I reapplied on the studentaig.gov website to change my student loan plan to the SAVE Repayment Plan in case there was missing information from the first request ( income, etc. ). Since the XX/XX/2023 request was shown to be completed on the studentaid.gov website I have again been receiving the same email from Nelnet, every 10 days, stating that my request is being processed. It has been two months during which my request to change my student loan plan has been processing and my student loans are in forbearance while accruing interest.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to.
Consumer complaint received 2024-05-25
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. (CA)

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (FL)

After receiving notification that EMERGENCY BILLING OF XXXX sent me TO COLLECTION, I was confused and upset. With no resolution from either company named I contacted XXXX XXXX XXXX which is the insurance at the time of service. I also filed a complaint with the CFB to ensure we have a process. Attached is the following 1. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/ in the amount of {$2100.00} 2. Document from XXXX XXXX XXXX showing payment for date of service XX/XX/XXXX  in the amount of {$2100.00} I also provided a copy of the complaint to the CFB and informed the credit report agencies that I was send to collection in error it need to be removed. I will also ask for the companies to do the same. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AL)

refrence XXXX i received a letter in the mail about a debt to respond by XX/XX/year>. I don't know what this is but this is not me. this not my debt and something needs to be done i would like to dispute.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (FL)

Letter mailed XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Submitted via consumerfinance.gov XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX RE : Experian Member XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beginning on XXXX XXXX XXXX, and continuing for three months ( XXXX, XXXX, XXXX ), a charge in the amount of {$24.00} from Experian began showing up on my personal credit card referenced above. 

I do not recall ordering any service from Experian, and do not believe that I knowingly agreed to such a charge but, admittedly, perhaps I did, given the incredibly deceptive practices of companies hooking consumers into free trial offers for services. 

That said, I made several attempts to call Experian, but could not get through the impossible maze of customer service phone options to speak with anyone about these charges. And, attempted to find a way to inquire about the charges on the Experian member website, without success. 

So, I reached out to XXXX XXXX credit services to dispute the charges and made clear that I did not wish for any continuing services, ordered by me or not. Subsequently, one week ago today, I received an email saying my dispute had been denied. 

Today, I tried again to reach Experian to ascertain that all services are stopped and I was, once again, unsuccessful. Additionally, I reached out to XXXX XXXX card services and was assisted by a very kind customer service agent who attempted to assist me. I learned from her, however, that the only way to ensure that such additional charges do not go through is to pay off my XXXX XXXX and close the account. 

By the time this correspondence is delivered, my account will be fully paid, and I will have requested its closure. To be clear, I would not have closed this account, however I have no choice. 

I am absolutely appalled by the fact that a credit reporting agency, charged, in part, with protecting my credit record from fraud is, itself, taking advantage of me. This practice is unconscionable, and I hope the CFPB will do something to put this kind of practice to an end. 

In the meantime, and to be clear : 1. Experian : I do not want any of your services, memberships, or other offerings EVER charged to me in any form. You are instructed to immediately stop all such transactions. 
XXXX. XXXX XXXX : My credit account should be closed. You have lost a loyal customer. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (GA)

I have the following four inaccurate accounts reporting on my credit report. None of these are my debts and all of them are beyond seven years old. 
XXXX. XXXX XXXX XXXX {$1600.00} opened in XX/XX/XXXX ( XXXX, XXXX and XXXX ) XXXX XXXX. charge off opened in XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reporting {$0.00} balance chsrge off. Opened in XXXX XXXX and XXXX XXXX. XXXX XXXX reporting {$0.00} balance opened in XXXX XXXX and XXXX. 
Under the Fair Credit Reporting Act these items must be deleted from my credit report if they are unauthorized, inaccurate or older than seven years. Please delete all of these items from my credit report.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (NY)

These companies broke the law and violated XXXX USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to remove & updated Inquiry details XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Hanwha QCells USA Corp (CA)

EnFin is the loan provider for our solar panels. EnFin offered a .25 % deduction if we signed up for autopay before the loans first payment. We signed up for autopay and the amount to pay was posted on the invoice which included the .25 % deduction. EnFins system does not appear to recognize this deduction and therefore still charged us for the amount that was supposed to be a discount. EnFin then added a late fee when this amount was not paid. EnFin called numerous times and left harassing debt collection messages. When I spoke to a representative and explained that this late amount was not late because it was part of a .25 % deduction, the representative acknowledged that it was EnFins error and it would take 10 businesses days to fix. EnFin still called twice after that to collect! After a second call with EnFin, the representative noted that they changed their system and so the note to update this error was never received. To date, almost a month later there are still fees charged and EnFin has not fixed this issue.
Consumer complaint received 2024-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had issues with disputing transactions with Capital One in the past and again with my most recent dispute. I tried disputing a charge from a car rental company for {$31.00} that included a {$25.00} late fee and {$6.00} the rental car company could not explain. I returned the rental car XXXX hour and XXXX minutes before the agreed time in my contract but when I got the final statement sent to me after retuning the car I noticed a {$25.00} late fee and then within a few days saw the {$31.00} charged to my capital one credit card ending XXXX. I called the car rental company and they agreed the car was returned on time but would not correct the late fee and couldnt explain the rest of what they charged me for. After not being able to get the merchant to make corrections and void the {$31.00} I reached out to Capital One and filed a dispute. I faxed capital one all documents I had pertaining to the car rental and a letter explaining my dispute and why I was disputing {$31.00} and in the rental car documents shows proof of the time the car needed to be returned and that it was returned with in the agreed time. Capital One sent me a response back that even though I sent them documentation it was not sufficient and could no longer assist me with my claim and would be closing it and re charged my card {$31.00}. 
Im asking that capital one reevaluate my case and remove the charge for XXXX from XXXX XXXX XXXX XXXX. 
Due to continued issues with Capital One and their lack of willingness to help with transaction disputes I have lost trust and will reevaluate my decision of whether or not I will continue to do business with them or close my entire financial relationship with them. I feel they do not follow the laws regarding the truth in lending act and intentionally make it difficult to dispute transactions.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (FL)

XXXX XXXX XXXX ( account # XXXX ) claims I owe them {$160.00} and XXXX XXXX XXXX either sold the debt or contracted with Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX to collect such amount. I believe I paid XXXX XXXX XXXX in full and I know I returned all their equipment. Therefore, on XX/XX/XXXX 2017, I disputed and requested a verification of debt via certified mail. Never received such verification or why do they believe I owe them any money. However, Diversified Consultants keeps on listing this collection action in my credit reports. I have copies of my letter, certified mail, and proof of delivery.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ZIONS BANCORPORATION (CA)

In XXXX  XXXX, XXXXXXXX  I attempted to close out a checking account with Nevada State Bank the the physical branch of their sister Bank California Bank & Trust. The California Bank & Trust teller called the Nevada State Bank branch and facilitated this. I was lead to believe the Nevada State Bank account was closed. I XXXX  out the Nevada State Bank accoutnt. However I was not told that a credit line for the checking account was still open and is still open today. That amount has been accumulating interest and management fees that I know owe. I was only told about this in late XX/XX/XXXX. I want to have all these extra fees waived so I can only pay what I owe as of XXXX.
Consumer complaint received 2023-09-14
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-02-23
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: JPMORGAN CHASE & CO. (FL)

I purchased an airline return ticket via XXXX on XX/XX/XXXX from XXXX to XXXX for {$280.00}. Flight dates were XXXX. However, I fell ill and was unable to travel. I called the airline and they advised me thats its fine I will be counted as a no show but I can rebook in the future for a {$100.00} fee. When attempting to rebook via XXXX on XX/XX/XXXX, I was told that the rebooking fee would actually be {$200.00} because they used two one way tickets for my booking, plus their service fee of {$45.00} and any difference in ticket prices. I said okay no problem. This time I was flying from XXXX  to XXXX, the ticket was roughly {$280.00}. Therefore, my total rebooking cost should have been no more than {$240.00} ( rebooking fees + difference in ticket price ). XXXX however sent me a price of {$550.00}. When I asked for a breakdown in fees, they refused to give such. They are attempting to illegally overcharge consumers blindly. 
I reached out to my bank, JP Morgan Chase to dispute this transaction and they told me the charge was valid without even requesting any documentation from me.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

never informed me of my rights to exercise my nondisclosure option 15 USC 6802, also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime ''.
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

This is now another loan servicer so I am going to just file a complaint because it is the only way I have gotten any response. I would like the new loan servicer to see the response from the last loan servicer. For the last XXXX or so years I have attempted to resolve this matter XLS, XXXX and XXXX. It all boils down to the interest rate being changed from XXXX percent to XXXX percent XXXX years after the documents were signed. I have received copies which clearly shows the electronic alteration of the documents XXXX years after the fact. Also paperwork does not have the name of the person completing the paperwork nor does it have anything that identifies me as the signer. ( state id, drivers license, passport ect ). I have filed the mass of paperwork for an investigation. I contacted XXXX XXXX XXXX  Ombudsman then XXXX Ombudsman. Then XXXX said to contact XXXX XXXX XXXX  Ombudsman and so on and so on. 
I find this is the only forum where I get some response. I have sent everything certified mail return receipt requested
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank charge me {$35.00} overdraft fee today XXXX XX/XX/2024. I already contact them they refuse to give me the credit back. This is not the first time Wells Fargo have done that.
Consumer complaint received 2024-03-25
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. (CA)

MY name is XXXX XXXX and I am a victim of identity theft. I have repeatedly attempted to delete these fraudulent accounts from my experian credit report. and they - experian have refused to removed these fradulent accounts from my credit report. I am a victim of identity theft and my information was used aginst my will to open FRAUDULENT ACCOUNTS. 

I have attached the FTC report to this document. THIS FTC report is a federal document. PLEASE delete, block and remove these fraudulent accounts from my credit report. 


For Proof of identity I have attached the following below : I have attached my social security card. 

I have attached my utilitu bill I have attached my state california ID AGAIN, because i am a victim of idenity theft I need these two fraudulent accounts removed NOT ONLY DO I WANT THESE ACCOUNTS REMOVED AND BLOCKED. 

bUT I WANT TO BE FIANCIALLY COMPENSATED FOR EXPERIAN REFUSING TO REMOVE THESE ACCOUNTS.