davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OR)

Lexis Nexis is reporting inaccurate information on my consumer report i have called them multiple times and disputed all of the names on my report as well as all of the in accurate addresses and phone numbers and lexis Nexis continues to switch who they are getting their information from first it was the post office now it is the XXXX after i told them the post office is not reporting my information at all neither is the XXXX but lexis Nexis continues to report the wrong information i only have XXXX name and XXXX address the addresses and other name listed are not accurate yet they continue to report it as such also i have not given my written permission for lexis Nexis to share my information with any third parties
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to address complaint XXXX. As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to Portfolio recovery. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX XXXX breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is PORTFOLIO RC XXXX. Please see your response where you admit to no proof of validation. Also see the XXXX data breach claim ID.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MA)

Nelnet and Department of Education have not reported accurate information to the Credit Bureaus. 

I received a letter from Nelnet on XX/XX/XXXX stating that my Federal Student loan balance was XXXX. 

As of today, XX/XX/XXXX XXXX, XXXX and XXXX are all seeing a balance of {$30000.00}. 

This has an effect on my credit score and needs to be reported. I've sent disputes to the agencies and awaiting response.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

Three student loans originally serviced by Nelnet Loan Services Inc. were transferred to Dept. of Education/Nelnet ( or XXXX/Nelnet ) XXXX but now XXXXwo versions of each loan appear on both my XXXX and my XXXX credit reports -- one version correctly categorizes each loan as " OK '' or " Pays As Agreed ; '' it also reflects the federally mandated student loan deferment which began in XXXX and, for me, ends XX/XX/XXXX. These correct items are, per my credit reports, services by either Dept. of Education/Nelnet or XXXX/Nelnet. 

The other version of each loan is listed as 120+ days overdue, does not reflect the federal deference, and includes several quirky errors ( i.e., dating the last payment as 1901, citing overdue payments yet also having " No information '' for that payment period ). This is the incorrect version. Nelnet Loan Services Inc. is listed as the servicer of these loans. 

Note that my XXXX credit report seems to be accurate. 

I disputed the incorrect versions with XXXX and XXXX earlier today ( XX/XX/XXXX ) after attempting to contact Nelnet directly to no avail ( all my calls were dropped during a long wait time ). 

Below please find relevant loan details : Incorrect Item # 1 : Nelnet Loan Services Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 86 of XXXX Report ; Page 24 of XXXX Report Incorrect Item # 2 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ) Account Ending in XXXX Opened XX/XX/XXXX Appears on Page 88 of XXXX Report ; Page 19 of XXXX Report Incorrect Item # 3 : Nelnet Loan Services ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ) Account Ending in XXXX Opened XXXX XX/XX/XXXX Appears on Page 90 of XXXX Report ; Page 14 of XXXX Report
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2024-01-08
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX Account ID:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I called on XX/XX/XXXX and submitted via uploading Verification of Income doc from Social Security my proof of income and was told my payment meets income guidelines for {$0.00}. 
I called on XXXX because my payment is set at {$30.00}, obviously not {$0.00}. Claim it takes 6-8 weeks to process & when I asked how it went from over {$1900.00} to {$30.00} in ten days the customer service rep redirected and never answered my question. 
I called on XX/XX/XXXX and again asked why I still had {$30.00} payment due in XXXX when I meet the income guidelines for {$0.00}. Asked what would happen if I didn't pay it, was told it would remain there as not paid even when my IDR was processed and changed to {$0.00} which the customer service rep wouldn't quarantine, even though I meet the income quite lines. 
The first two all I neglected to do the wait time but each was at least 1 hour. The third call lasted over XXXX XXXX hours, over 3 hours was being on hold.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MI)

I have Synchrony Bank PayPal Credit card. The card does not show in my Paypal wallet when I attempt to buy something online using " pay with paypal ''.

I have spent close to 20 hours on the phone with Synchrony ( and another 20 with Paypal ) and an extensive history of making cases on the phone trying to get this problem resolved. All cases I make with you are silently closed as resolved with no response from you. You continue to say its not your problem and say contact Paypal. Paypal has been saying the same thing about you.

Paypal has been repeatedly saying Synchrony Bank has failed to correctly communicate and link the card information to Paypal as Synchrony Bank is the card issuer, and that this is why its not showing in my Paypal wallet.

Your customer service agents have become hostile to me, particularly : " XXXX '' who refuses to even pretend to try and help me. 

I once again am requesting you have someone at Synchrony who has the authority to investigate this problem to find a solution. In my previous case with CFPB sent to you ( XXXX ) you tried to shift blame to Paypal, but then responded with a lengthy boilerplate response which can be basically summarized to : " Maybe theres a security issue, idk '' ) without any attempt to provide me with a solution.

The most Synchrony has done was attempt to " disable and reenable '' my card, repeatedly tell me to clear cookies/ change browser, suggest I am using the wrong account ( im not, XXXX is the correct email ) and the most common : saying its Paypals fault call them. I had to think outside the box and even ordered a replacement card in attempt to see if this would solve the problem ( it didnt ).

Due to my inability to use this card properly I have done lengthy research and have found many other card users who have the same problem, and the absolute XXXX they are going through to and get Synchrony bank to acknowledge or resolve the problem. 

I will continue to contact Synchrony bank until someone with authority will be able to acknowledge this problem exists and respond to me in a human fashion to help me resolve. 

Thank you.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Chase bank issued a credit card to somebody else using my ssn. And when I found the credit card existing, that was a lot transactions made. And theyve been mailing me letters ever since, causing me great trouble, credit score went down by XXXX.
Consumer complaint received 2023-11-26
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: CITIBANK, N.A. (NV)

I made a purchase from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$6000.00}. This merchant had an " Anytime Refund Guarantee '' stating they would offer a full refund at anytime. When i requested a refund from this merchant, they stopped communicating with me and are no longer responding. Apparently, they have scammed quite a few consumers. I reached out to my credit card company to dispute the charge and sent over supporting documentation to them. However, and unfortunately, they only sent me a letter with a vague response stating that the documentation i provided " did not support '' my claim- with no further explanation of their findings. This was the second time i opened the same dispute, with the first one being denied as they needed documentation.
Consumer complaint received 2024-03-05
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: FIRST NATIONAL BANK OF OMAHA (WI)

Called a number of times for identity fraud and I never heard from them called back and they said fraud problem was mine and charges are good! Now I have a judgment lawsuit case against me.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This complaint clearly shows that experian is making determinations on my credit in the future. The screen shot in this one shows experian saying there are no changes to my credit as of XX/XX/2023 except its only XX/XX/XXXX are they clairvoyant
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

My phone and wallet was stolen and all of my debit cards and account were attached to it. I recovered my belongings after a short time and reached out to the bank because I had to dispute some transactions that had taken place on account of the theft. I was given provisonal credit for XXXX transactions, although there were more than XXXX I had disputed. When I disputed the transactions my debit card was not cancelled. Several days later I called to check on the status of the disputes and the agent decided to not only cancel my card that I had been using since recovering it, but dispute transactions that I was very very clear that I had been that XXXX that made the transactions. Several days later, after explaining to them that my check was being deposited into the account Citi Bank over nighted me via XXXX a new debit card. I acivated my card and logged into my online banking online to discover that they had XXXX closed my account for Fraud and they will not give me any information and I am unable to access my funds or print and itemized statement of my checking account which I need for court.
Consumer complaint received 2024-02-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (FL)

I am getting emails texts and phone calls regarding a payday loan application. I did not do a payday loan. 

I have unsubscribed from the companies contacting requesting esign. 

I do not know how or who is applying for these loans in my name. 

No money has been received no signature obtained for a loan
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

I checked my credit report and noticed theres inaccurate information being reported on my account. I reached out to the collection agency and original creditor. This account is reporting and i dont have a contract with the collection agency nor proof of debt validation.
Consumer complaint received 2023-12-23
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. (IN)

I applied for an auto loan and did not give permission or consent To XXXX  OF THESE PLACES!!! 

XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (GA)

Prosper pulled my credit profile and left a hard inquiry without giving me any funds. This was only suppose to be a soft pull. I called into their customer service line and XXXX told me that wasn't suppose to take place and they will work on removing in a few days. I filing a complaint to make sure this gets done
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I was charged {$16.00} interest by American Express on a {$680.00} balance for 6 days. American Express agreed that it should only be {$2.00} but they charged me for the whole billing period. American Express charges 22.49 % but, because they use the entire billing period, the actual interest rate is 10,909.55 % according to XXXX. The supervisor calculated it herself and said I should have been charged {$2.00} based on their disclosures.
Consumer complaint received 2024-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

I signed up for a service for a company called XXXX in XXXX of XXXX. Comenity Bank was assigned as the collection department. I closed this service with XXXX in XXXX of XXXX. XXXX provided me a cancellation and refund agreement in XXXX of XXXX where they fully refunded my account to Comenity Bank in XXXX. The account was closed. 

However, every month after XXXX, Comenity bank is still charging me to pay the remaining balance. I have provided Comenity bank with documentation through their online portal and via mail showing proof from XXXX that my account was closed and they were refunded the remaining balance. Ive been in contact with Comenity Bank for the last 3 months and they continue to keep charging me and its showing Im 3 months late on my account. I contacted Comenity bank on XX/XX/XXXX, and spoke with the customer service rep who confirmed that the account was closed in XXXX but then would not provide me a sufficient reason why Im still late on the last 3 months of payments. These late 3 months payment that they have on my closed account has dramatically decreased my credit score and they continue to tell me to wait for the dispute to get settled, while still charging me every month.
Consumer complaint received 2023-11-20
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 (CO)

I opened an account with American Express ( XXXX XXXX XXXX XXXX ) in XXXX of XXXX. Part of the promotion they were offering was {$200.00} back if {$2000.00} was spent in the first 6 months. I met that requirement on my first transaction. 

In XXXX I contacted AMEX inquiring as to when the reward would be applied. I was told it would take 8-12 weeks. So I waited. 

I then contacted them again on XXXX making another inquiry. I was told that my account was a part of a group of accounts affected by an issue that was preventing bonuses to be applied. They opened a case # XXXX. So I waited again. 

I contacted them again on XXXX. I was then told that my investigation had been closed and my account was under review by a dedicated team. And a new case was opened. # XXXX. I was told to check back if I didn't see the {$200.00} credit in 10days. In this same conversation the rep said that the credit was to have been applied on XX/XX/XXXX and they also acknowledged that I in in fact had met the spend requirements to receive the credit. 

I then contacted them yesterday on XX/XX/XXXX. I was given the same runaround as before. That it was being looked into and addressed. I escalated to a supervisor and given the same cookie cutter replies. There was no attempt made to resolve the issue. 

This is horrible customer service and they are not honoring their end of the agreement/promotion. There appears to be some disconnect or worse ineptitude happening. 

I have been beyond patient. I am not the only one with this issue either. There are posts on XXXX about it.
Consumer complaint received 2023-11-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (CA)

Ok credit management lp has been contacted multiple times on my behalf to provide the original contract on the debt they say I owe i am going to say this for the last time if credit management doesnt provide me with the original certificate of indebtedness and the contract with my and their signature I will take further action I am right now putting credit management LP on notice
Consumer complaint received 2024-03-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (CA)

I moved to afterpay orders by 3 days. They Froze my account! .Paid them 2 days ahead. Previously when moved orders were paid they would unfreeze account. I've been a customer for years and have paid XXXX  of dollars! No late fees etc. 
I got a email today XXXX that my account will remain " frozen " until there is " XXXX '' balance! I owe XXXX only. 
This seems highly " unfair '' since I'm a good customer. I've never Not Paid my payments!! 
I'm highly upset about this practice when just in XXXX I had big orders and all payments got paid @ No telephone service, only email and it's different people each time. I will close my account when done. This kind of service needs to stop. Thank you
Consumer complaint received 2023-11-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

I purchased this American Express prepaid gift card from XXXX  and the card will not work at all. The card says it's activated, but every purchase gets declined. It won't even let me put it into XXXX XXXX  which I have been able to do before.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the XXXX XXXX ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. 

I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. 

I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX XXXX   XXXX Scammers account info : Routing : XXXX Account # XXXX