davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (GA)

I have 4 student loans that i literally have no knowledge of so i called the department of nelnet and was told to fill out fraud docs and nothing happened im sure these are not my loans i never XXXX  XXXX XXXX in order to get college loans so they are not mine... so i filed a bankruptcy and they were included in my XXXX Bankruptcy discharge and they were taken off my credit report and i was so happy but for some reason they keep jumping back on my credit report since XXXX has now made easier to have federal student loan debt discharged in bankruptcy and because the loans aren't mine why do these loans keep coming back?
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am filing yet another complaint because you failed to give me my money back for charges that I did not do. I have filed a criminal complaint and once I go back to court I will get a written statement from them stating that this was not me!
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GLOBAL CREDIT UNION (WA)

Global CU rebranded from Alaska USA to Global CU last year. 
They changed my account from an account which was free ( Alaska Relationship Checking, free due to my mortgage with the company ), to an account which costs {$5.00} per month ( Latitude checking ). I am not sure exactly when this happened and was not warned in advance. 
I was able to change my account back to a free account but Global CU refused to refund the fees I was already charged. 

Timeline : XXXX uncertain exactly when - Account type changed to a paid account XXXX XXXX Charged {$5.00} without warning XXXX  - Charged {$5.00} again XXXX XXXX Charged {$5.00} again XXXX  - Phoned up and changed account back to a free account, refund refused
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: De Lage Landen Finance, LLC (WA)

I have a tractor loan through XXXX finance and it is impossible to deal with this company or ensure my payments are applied correctly. If I make an extra payment I have to call to have it applied to principle only and they are super un-responsive. They keep telling me extra things about how far ahead I have to pay before a payment can be principle only. When logging into my account there is no breakdown on interest paid vs principle per payment. Invoices just show a total not how much I have paid or how much was applied to the balance on the last payment. 

They are a nightmare and I have no way of verifying if what they have done is correct.
Consumer complaint received 2024-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Outsourcing, Inc. (DC)

I never received the initial billing of this medical bill. I provided my insurance and now I have lost my job with the company I was with that I used the insurance with. XXXX XXXX XXXX XXXX. XXXX is {$520.00}.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had {$3900.00} stolen from my account on XX/XX/2023 held by 5/3 bank. I was told the money would be returned to my account in a recorded phone conversation by 5/3 bank twice. Today after many attempts reaching out to my local branch and XXXX number was told because I didn't report the fraud in 24 hrs. that my money would not be returned and it's my loss. What business reconciles accounts every day?! I put my money in the bank because I expected it to be safe.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I got an alert from XXXX XXXX on XX/XX/XXXX saying I had a hard inquiry on my credit, after checking there was an unauthorized Capital One bank credit card inquiry on my account that I never inquired about or approved. The report was through XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX I paid my school property taxes online via a digital copy of a citizens bank check for the amount of {$2600.00} ( check number XXXX ). On XX/XX/XXXX check # XXXX for {$1900.00} and check # XXXX for {$1300.00} was cashed and withdrawn from the account. On XX/XX/XXXX I reported both check numbers XXXX and XXXX as fraudulent and also a transfer amount of {$19000.00} from an additional account. The accounts affected were immediately frozen ( so I was told by a citizens bank, banker. ) Later in the same day and following days, multiple other fake checks were cashed, putting the " frozen account '' into a negative balance. I was then charged overdraft fee 's, which was automatically withdrawn from unaffected accounts without permission and after being told in branch at the XXXX NY location that I would not be charged. Also, I received multiple letters from citizens bank stating my unpaid overdrafts would be going to collections and that my credit would be effected. In the following weeks I made multiple in person visits to the branch and was assured by staff I would receive my refund of the total amount lost in fraudulent charges within XXXX  days. Within XXXX weeks I was refunded the fraudulent {$19000.00} and since that time I have not received any refund for the additional amounts owed. 

Citizens Bank had sent letters stating they a preformed an investigation and determined the checks written to be fraudulent and I would receive reimbursement. The total amount still owed to me is {$7000.00}. Of that amount {$3200.00} was withdrawn prior to reporting fraud and the additional {$3800.00} was withdrawn from a frozen account after reporting fraud. 

It has now been over XXXX  months and I am still owed {$7000.00}. Citizens Bank claims they are not responsible to refund the money, that the banks where the checks were cashed are responsible. They claim to have sent multiple Emails to the other banks ( unknown which banks ) with no response back. Citizens bank banker has assured me multiple times that by law, the banks that cashed the fraudulent checks have to pay me back, but they are unable to tell me when. I have requested multiple times in person and over the phone to be updated and sent copies of such requests and have received nothing of such, nor the money owed to me.
Consumer complaint received 2024-01-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (KY)

I have noticed a debt of {$160.00} from XXXX  on my credit report from a collection company. I never own it to XXXX. I reached out to both XXXX  and the collection company who confirmed it and suggested me to fill and claim. 

This account is not mine. I am requesting to remove this account from my credit report.
Consumer complaint received 2023-01-30
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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

Dear CFPB, I hope this message finds you well. I am writing to file a formal complaint regarding the declined offer for the Amex XXXX Credit Card, despite meeting all specified requirements. The situation unfolded as follows : Application Date : [ XX/XX/2023 ] Offer Details : earn XXXX Membership Rewards points after spending {$3000.00} in purchases on the card and 20 % back on eligible travel and transit purchases in the first six months ( up to {$200.00} back ) card membership. 

Despite fulfilling these requirements, my offer was declined without a clear explanation. I contacted Amex customer service on XX/XX/2023, and received conflicting information regarding eligibility and a supposed notice. 

I have attached relevant documents, including my application details and correspondence with Amex, for your reference. 

I kindly request your assistance in investigating this matter and facilitating a resolution. Your attention to this issue is greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. ()

Bank Name XXXX XXXXXXXX XXXX XXXX XXXX. XXXX and XXXX Both accounts never belong to me in any way but are shown in my credit report by XXXX, against which I raised a dispute, which was not solved. 

Further, I got XXXX from the Bank in which they certified that accounts do not belong to me and also closed.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have been fighting with this company for a year trying to resolve this matter, Last I have sent a letter and email to the CEO of the company to resolve this issue! 


Its a big clear mistake thats a violation of the law : 15 Us Code 1666b Timing of Payments I will include in my proof in my images below! This is a big violation and against the law this is not fare at all for them to continue to do this just because they are big company and im just one person I Can not get this resolve and I have 100 % CLEAR proof of the company 's big mistake but they wont resolve it and update my account as paid on time! And remove the inaccurate remark of my auto being late as I have never been late on anything in my life with none of my accounts!
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc. (NC)

The date stated XX/XX/2019, contacted them and the credit bureau XXXX to remove disputed with credit bureaus.This company has me in collections for monies I do not owe at XXXX different properties at dates listed that I did not reside at!
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Venmo froze my account because my bank account was supposedly connected to an account that was suspended. Customer support told me if I added a new bank account I should be able to transfer out the balance I have. I added new account. Account is still frozen. 

I have also asked them previously to close my accounts and erase ny bank accounts. They clearly did not. 

This is a very fraudulent company and their customer support and their account specialists are unprincipled, unprofessional, unhelpful and send generic messages. I want to delete all my data from their company and get the balance I have in their accounts and never use them again.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward.This is a violation of 15 USC1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EQUIFAX, XXXX, AND XXXX, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

Equifax This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Incorrect XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX XXXX  Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 

XXXX Incorrect Personal Information : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX  - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

This is my responses to my XXXX  complaint against Spring Oaks Captial through the CFPB. Spring Oaks Captial responded to my complaint stating that I was provided with a debit validation letter when I in fact did not receive a debit validation letter. Please see the attached bank statement I received from Spring Oaks Capital instead of a debt validation. I'm missing the below information to validate this debt. 

1. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made. 

2. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

3.If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

4. Does your agency have a DEBT COLLECTION LICENSE in Illinois? If so, please provide the NAME on the license, the LICENSE NUMBER and the TELEPHONE NUMBER of the state agency that issued the license. If you do not have a license, please explain why.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

I've attached proof of LexisNexis inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue LexisNexis and enforce my laws under the FCRA if this information attached isn't removed from my consumer report immediately. 

Data furnishers ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! 

FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

In XXXX I took out a personal loan with One Main Financial. Part of my payment included the insurance to cover me in case of job loss or medical issue. I became unemployed in XXXX XXXX XXXX In XXXX, I called to verify that I had insurance to cover in my case of job loss. I was told that I did and that was part of my payments for the loan. I took advantage of the loan. Now it is tax season and I received a 1099 MISC in the amount of {$900.00}. If If it was explained to me that I would be taxed on a service I paid for, I would have tried to make other arrangements. This is deceptive practices.
Consumer complaint received 2021-01-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Navient have taken thousands of dollars from my income tax at least for four years straight and they are still saying that I owe over {$6000.00} which should have been paid. I am in the forbearance program but I am tired of getting statements each month and at the end of XXXX time to redo over. 
I got out of school because my mother had XXXX and they were supposed to have worked with me and not charge me anymore payments. However, that didn't work and this have been over 12 years now. 
I want to know why am I still be charged for payments when it was stated paid in full after they took out for income tax. This has been over 9 years.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (IA)

I received a letter from u guys stating that I owe {$510.00} for XXXX n I want to file a claim about this situation because on XX/XX/XXXX i paid {$100.00} for XXXX n they stated that everything was good until I got paid again XXXX they ended up shutting off my devices but I am wondering y i am being charged {$510.00} when I shouldn't be getting charged for anything bcuz i paid XXXX on XX/XX/XXXX so I would like a refund of what i am being charged
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC (LA)

My XXXX loan started with XXXX XXXX then went to XXXX XXXX and now its with XXXX. I know that it was paid off already and they are double dipping.I also submitted a 1099 A.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (VA)

XXXX XXXX XXXX  XXXX I got my XX/XX/XXXX statement of total {$300.00} ( with a {$28.00} late fee and {$5.00} interest charge ). first, i setup scheduled payment before due date and i never been late on this card payment since i owned it from XXXX. I paid my balance in full for the XX/XX/XXXX, and from the statement of XXXX  transactions ( i only made a total purchases at XXXX XXXX XXXX of {$130.00} ) ; it seems XXXX XXXX XXXX my {$130.00} twice ( XXXX + XXXX late fee + XXXX interest = {$300.00} ). I called XXXX XXXX, they readily accepted it is their fault and will correct the statement. 

BUT, what if I didn't notice, WHAT ABOUT PEOPLE WHO DON'T NOTICE??? 
They didn't give me a reason for this error. 

Just want to warning other consumers to check your monthly statements, it could get muddy for XXXX XXXX or XXXX