davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XX/XX/2022 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380.00XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2024-03-29
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 (MT)

I purchased an XXXX XXXX gas range online from XXXX  XXXX, for {$3400.00}, on XX/XX/XXXX. I paid my credit card charge as soon as it hit the card balance, as I currently have 25 % interest and did not want to pay over {$800.00} in monthly interest while waiting for delivery and install. The range was delivered on, or about, XX/XX/XXXX. We were in the process of a remodel and didn't get the range unboxed and into the kitchen until XXXX. After a week of troubleshooting, we realized the range was defective. Neither the oven nor the main XXXX  work. On XXXX XXXX, XXXX, I was contacted by a XXXX warranty company, who works with XXXX XXXX , to purchase and extended warranty. Since we were already running into issues with the range, I purchased an extended XXXX warranty for {$240.00} from XXXX XXXX XXXX XXXX I was in the process of trying to contact the merchant via phone and the " contact us '' page on their website, with no return call. A couple of days later I decided to go online to XXXX since the range was still covered under a one-year warranty through them. This is when I realized both websites for XXXX XXXX AND XXXX were shut down the same week, possibly the same day. I contacted the extended warranty company, in hopes I could get help, but they told me since the range is still covered under the manufacturer 's warranty, they won't help either. I started the dispute with the credit card company ( FNBO ) XX/XX/XXXX, to dispute a faulty product. According to them, 1. if the merchant didn't respond it would default in my favor and 2. I still fell within the timeframe for dispute, less than 120 days, being that my item wasn't received until almost a month after purchase - but they denied my request, due to my bill being paid already. The dispute was still rejected. I have tried to appeal my case, but they will not respond with a sufficient reason why they're allowing a charge for a faulty product, except to say I paid my bill already.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

I have been experiencing Identity Theft since XX/XX/XXXX. Chase has placed a Fraudulent Credit Inquiry on my XXXX Credit File. This was placed on my file on XX/XX/XXXX. Chase is very well aware of this and has notified me that it will be removed. However it remains on my Credit File. Enough time has passed and it lowers my Credit Score.
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (PR)

I received a letter in this past XXXX of 2024 from a company named Williams & Fudge Inc. that said that they where intended to collect a student debt I owed to the XXXX XXXX XXXX. They said that the amount I owed them was {$15000.00}. First of all I am currently enrolled as a XXXX XXXX and because of this reason they shouldn't be able to collect any debt from me until 6 moths after I graduate. Also I want to dispute the amount they say I owe them since is wrong and want to know the details of original creditor.
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AmeriCash Holding LLC (CA)

I was notified that I had a payment coming due on XXXX and if I paid the balance before that date, my loan would be paid off. I paid electronically on XXXX the entire balance due. I called to confirm the receipt and payoff but was told that I still would have an additional payment of {$230.00} on XXXX. This was in addition to the balance I had paid. 

I am a XXXX XXXX XXXX senior and I believe I am being abused by this company.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Hi, In XXXX I called NelNet once I received an alert on my credit report for a XXXX decrease in my credit score. I was informed that my loans payment was due from the deferment. I explained 1. I filed bankruptcy in XX/XX/XXXX, my loan was added to the debt amount per the appointed judge and my attorney. 2. I was also laid off XX/XX/XXXX. The agent placed my loan on another deferment and advise I apply for school related discharge. Instead, I called my attorney, and he advised the loans are to be closed per appointed judge agreed the repayment would impose undue hardship on me and my dependent. I called Nelnet back on XX/XX/XXXX, I was then informed to submit a detail letter to XXXX with my full bankruptcy journals. I did that same day and called back due to me not getting the ETA of the request I was sending. Then the 3rd agent informed me NelNet isn't responsible for handling this type of request and they send them to XXXX, I then asked why I wasn't advised this on the previous call. It doesn't seem like the servicing company knows anything about bankruptcy or is giving the runaround. The servicing company received the notice of bankruptcy from the attorney office. I called XXXX on XX/XX/XXXX also and was told by that agent XXXX has no determination to discharge under my bankruptcy, and they are a general customer service company that assist with other issues. As stated in my letter to Nelnet Claims department my student loans have been discharged with my bankruptcy as of XX/XX/XXXX. On XX/XX/XXXX, I also, told by the XXXX agent to file a complaint on Federal Student Aid, due to the incorrect information given by NelNet which I completed on XX/XX/XXXX.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC (TN)

On XXXX I got approved for a {$750.00} flex loan upon receiving this loan I was told Ito give my bank account and routing number and debit card information the company took copies of it saying at the beginning when I was applying for the loan that the money would be deposited in my bank account. They told me I was approved for {$750.00} then the clerk said they can only give the money to me on a XXXX XXXX debit card upon activation of the card {$5.00} was already taken off the card which that was never explained to me. We talked about repayments for the loan it was stated to me that I will be notified by phone call mail or email when a payment was going to be taken out of my account the 1st payment I was notified by phone call the second also by the third payment I just start seeing different names taking money out of my account which was causing overdraft fees they would take payments 2 times a week without notice so on XX/XX/2024 I walked in because upon calling asking questions I kept getting hung up on I asked for a copy of my contact which I never received it was told by the manger that it would be emailed i never got it but he gave me a copy when asked for payment history he said they would mail it to me I never received it I also submitted revocation of authorized payments for debts which I didnt know I signed up for because I was told o was given my bank information for money to be put in my account not for repayment upon submitting the letter I told them to mail the invoice and I will pay in person today is XX/XX/2024 and I still havent received payment history or invoice but on XX/XX/2024 they took XXXX out of my account and XX/XX/2024 they took 2 payments of XXXX which equals XXXX i still havent got a notice of payment history or payment dates this company goes by so many different names that I never gave permission to access to my bank account I have videos proof and I have my bank statements just didnt want to upload until I can find away to upload without my account information on there
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (TX)

I have requested by phone and certified mail a copy of the original promissory note and/or contract along with any 1099 tax forms filed. I need to get my books in order for accounting and taxes. They continue to claim its a strawman or redemption or accepted for value. Totally unrelated to the information requested.
Consumer complaint received 2024-07-28
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: CBC Companies, Inc. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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)

XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these inquiries are not authorized by me
Consumer complaint received 2023-08-30
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-02-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (LA)

good evening, I started the applications process back on XXXX/XXXX. I uploaded every document that XXXX XXXX needed to start my application process. I once had a case worker, that was extremely hard to reach. I attempted to contact her via email, calls, messaging center, etc. Come XXXX i no longer had anyone working in my case. I would call once or twice a week to see the progress for my application. Each person ive spoke with stated that they would send the requested documents over to XXXX XXXX, but would never do so. My application has been stuck in the 3rd process since XXXX! I reached out to everyone that i possibly could along with my new mortgage holder ( freedom mortgage ). they recently purchased my home loan back in XXXX. I have attempted to call, email, and reach out the the messaging center but nobody will respond. I eventually got in touch with someone named XXXX, but he was little to no help and would also not respond. At XXXX every morning, their phone lines are busy and nobody would answer. your call is then place on a callback, in which would result in nobody calling you back. Myself and my children will lose everything in the hands of a program that was meant to XXXX families in need. Freedom mortgage has a reached out and of course, nobody would contact them back this is very very stressful as i have applied eight months ago and my application is constantly shoved off, nobody helps me, i spend hours a day attempting to move the process along, all for nothing. Im in desperate need of someone to help me. Freedom mortgage also sat on the phone with me for over an hour in attempt to speak to someone at XXXX XXXX, but of course nobody answers and nobody calls back.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> XXXX unauthorized, fraudulant transactions were made at XXXX using my Chase debit card number. The transaction amounts were for {$200.00}, {$200.00}, and {$220.00} and the transactions occurred in person at XXXX separate locations in XXXX, NY, XXXX XXXX, FL, and XXXX XXXX, MD ( supporting documentation is attached. ) I contacted Chase immediately on XX/XX/XXXX to report the fraud and file a claim. My card was closed and I was issued a new one. XXXX days later I received a letter from Chase stating that their investigation found that the transactions were authorized. I called the claims department to ask for next steps and I was told there's nothing they could do and to call XXXX. I called each location and they verified the transactions were made in store but could not issue a refund because I did not have a receipt. I have no receipt because I did not make the purchases. 

It is impossible for me to make these purchases because I live in XXXX, CA. Along with my documentation of the unauthorized charges I've included a photo of an authorized charge made on the same day with my debit card at the grocery store XXXX  in XXXX, CA where I live. I hope this is sufficient to show that I could not have been in NY, MD, and FL making purchases in the store on the same day while I was also in California. These charges overdraft my account and I am incurring overdraft fees as a result, which Chase will not refund because they have closed the fraud claim and deemed the charges as authorized.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

My loan information has not been updated with the XXXX credit bureaus since XX/XX/year>. The reporting across all three bureaus state that I have XXXX loans ( I do not ). The balance of the loans ( again a duplicate loan ) is incorrect as well as the payment amount. I have talked with the servicer directly, tried to dispute the information with the credit bureaus, and nothing is being changed.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX was deleted by XXXX, but they have reinserted the collection account on XX/XX/18. By Federal law the FCRA requires a 5 day notice in writing before reinsertion of this debt. The debt was deleted due to ID theft and has been reinserted. I have provided proof that this account was deleted from my credit report and I do not have a contract with this creditor.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX THIS IS NOT A DUPLICATE REQUEST- PLEASE RESOLVE ASAP- YOU WILL BE GETTING THESE LETTERS AND DISPUTES FOREVER UNTIL YOU RESOLVE THIS MATTER THAT IS YOUR FAULT Dear XXXX Credit Reporting, You have still not removed the false error from my credit report. Your customer service team said in XXXX of 2023 that I was late on my payment, but this is not true - as your team admitted that it was your fault when I called your customer service. Your representative told me this would be removed from my credit report and it has been over 1 year and it is still not removed. I have hired both lawyers and credit consultants to also dispute your fraudulent claim untill it is removed.
Consumer complaint received 2024-04-26
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. (OK)

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Veripro Solutions Inc. (GA)

This company by the name " Veripro Solutions '' has sent me notifications about a balance that they claim that I owe them. I have told them many times that I don't know who they are. I have NEVER signed any documents with this company, PERIOD. When I spoke to XXXX from Veripro 2 weeks ago, I asked him to send me proof that I owe them this debt and I haven't received that documentation as of yet and he told me that I should see it within 48 hours of the day I spoke to him 2 weeks ago. 

I received documents about this debt from Veripro Solutions about 3 months ago that showed that they had forged or manipulated a loan document to put there company name in place where another company had their name. When I asked XXXX about the manipulation of the document, then XXXX stated that this is not unusual for companies to do when they take over a loan. 

Not to mention the original amount of the loan was {$33000.00} but yet they are sending documents with a balance for {$72000.00}. This is crazy to me. The document is showing that they are adding {$10.00} per day as interest. 

The original company : XXXX XXXX XXXX in 2003 for {$33000.00} Veripro has photo shopped the document to replace their name where XXXX name was on the documents. 

Please assist me in getting this matter resolved. 

ALSO PLEASE DO THE MATH.. THE MATH IS NOT MATHING I have included statements and documents.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (OK)

I received a letter from Receivable Management Group Inc. about a bill from XXXX XXXX XXXX for a XXXX for my daughter in XXXX or XXXX who was XXXX and for whom I am the insurance provider and owner of the XXXX XXXX XXXX XXXX XXXX ) account that I used to pay the bill. The letter stated that as of XX/XX/XXXX I owed {$30.00} and indicated that between XX/XX/XXXX and XX/XX/XXXX that I paid {$18.00}. 

However, my XXXX statement shows that on XX/XX/XXXX I paid the bill of {$34.00} to XXXX XXXX. 

I have received no subsequent billing from XXXX. 

I request ( honestly, I kind of demand ) that this be resolved by XXXX and Receivable Management Group Inc. in a way that completely removes any record causing any negative impact on mine, my wife 's, or my daughters credit ratings.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (GA)

I have made 4 attempts in the last 6 months to resolve this issue with documents sent as a packet that included a letter of rescission, demand letter, cease/desist with all violations listed and explaining that all charges were not listed and insurance was not included, letter revoking all previous signatures and an affidavit of truth. My Rescission of Car Loan Agreement Were Due to Federal Violations for VIN # XXXX Most recent communication- Usps Tracking # ( XXXX ) XXXX Usps Tracking # ( XXXX ) XXXX All responses from Bridgecrest failing to comply with rescission : usps tracking-XXXX usps tracking-XXXX usps tracking-XXXX XXXX  XXXX XXXX I discovered that Bridgecrest violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. 

Upon further investigation, it has come to my attention that Bridgecrest has failed to comply with several federal laws and regulations, including [ specific violations, such as Consumer Financial Protection Bureau ( CFPB ) rules or the Truth in Lending Act ( TILA ) ]. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. 

Car loan labeled as a Retail installment contract and security agreement which is a credit application.

Violations : 15 USC 1692e misleading representations.

15 USC 1692j - false & deceptive.

15 USC 45 - unfair Methods of competition.

15 USC 1662- illegally mixing credit and cash in a consumer credit transaction.

15 USC 1602 - multiple violations 15 USC 1605 Determination of Finance Charge I have no obligation to a breach of contract due to The Truth and Lending Act. Bridgecrest willfully violated provisions of Truth and lending Act. Bridgecrest is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation. 

Satisfactory Solution : Return of down Payment and title to car