davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

In XX/XX/2023 Nelnet which processes the TPD discharge for the Department of Education notified me that my loans would be forgiven under the automatic TPD discharge since I am a 100 % XXXX by the XXXX. I notified Nelnet in writing on XX/XX/XXXX that I wanted to opt out of the automatic discharge since I was still in school as well as Speaking to a representative and telling them NOT to process my TPD discharge. Due to some error Nelnet processed my TPD discharge and discharged my loans. My loan servicer XXXX still hasn't been notifed by Nelnet that I had opted out of the TPD discharge and that my loans need to be reinstated. As you can see from the supporting documentation I received a letter from Nelnet telling me that XXXX would reinstate my loans but they have not fixed this error. I am unable to get loans from my school since after receiving a TPD discharge I have to have a physician letter saying I am not XXXX but that is not possible as I am a 100 % XXXX Veteran. I have reached out to Nelnet and they informed me that XXXX needs to fix the XXXX loans and reinstate them. I contacted XXXX and they notified me that Nelnet still hasn't sent them anything regarding the TPD cancellation as of XXXX. Without the pell grant and Federal loans I will be homeless if there is a lapse in my loan eligibility before my next semester begins. The incompetence shown by the Nelnet TPD discharge department has caused me undue stress and exacerbated my mental health issues.
Consumer complaint received 2023-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 thru auto pay, {$78.00} was deducted from my personal checking account. 

On XX/XX/2023 the same amount {$78.00} was again deducted from my personal bank account. 

On XX/XX/2023 i contact the XXXX company about the issue and they said a credit would be issued to my home bank within XXXX business days. 
A credit was issued on my credit card bill but no credit came to my checking account. 

On XX/XX/2023 i again contacted the credit card company. They stated the check sent to my bank had been returned to the XXXX company because they used an incorrect routing number. They took my correct routing number over the phone and that a new check would be issued immediately. Credit never received at my bank. 

On XXXX XXXXXX/XX/XXXX at XXXX am Central time i called again .Speaking to XXXX XXXX XXXX XXXX XXXX He researched to problem and brought in his XXXX to assist. They did not have an answer for the delay. XXXX said the XXXX would solve the problem issue an epeidited refund to my bank saying i could expect the credit within XXXX hours. 

Today XXXX XXXXXX/XX/2023 i still have not received the credit to my checking account. 
Thus i am making this complaint to XXXX.
Consumer complaint received 2023-09-09
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. (NJ)

I'd like to follow up regarding my previous complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding how Equifax handled my dispute dated XX/XX/XXXX. I'm worried about the lack of progress on the part of Equifax Credit Bureau. The fraudulent inquiry mentioned in my Equifax credit report was still unresolved, and I'm kindly asking for your immediate attention to this issue. And even though the XXXX have removed some fraudulent inquiries but there were still three remaining fraudulent inquiries that I need the XXXX to remove. I've provided a list of the outstanding fraudulent inquiries for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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. (IL)

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.

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 2023-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

This is a persistent issue that has significantly impacted my credit profile, concerning your entity, LVNV Funding LLC, also known as Resurgent Capital Services. 

Upon discovering LVNV Funding LLC 's involvement in my credit history, I was surprised by the lack of prior notification or awareness regarding the reopening of a previously disputed and closed accountan action taken by LVNV Funding LLC. In 2018, when I first became aware of this account, I questioned its legitimacy and requested a signed copy of the contract associated with it. Unfortunately, my inquiries were met with evasive responses, complicated by personal circumstances, leading me to discontinue pursuing the matter. 

It is crucial to note that, although the account was subsequently closed, and the debt was charged off, I consistently disputed its validity with both the credit reporting agencies and the account holder. Despite my efforts, this issue has resurfaced, as LVNV Funding is now actively pursuing the account, reporting it as open and delinquent throughout this period. 

On multiple occasions, I have requested LVNV Funding to provide a signed copy of the contract in accordance with the provisions outlined in Virginia Statute XXXX and the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. Regrettably, instead of producing the requested documentation, they have responded with a mere screenshot printout of the debt. They also provided a print out of a 2018 contract that is not even signed nor is it the date of when this said account was established. They are fraduantly providing documentation and this does not establish that I personally entered into the contracta central point of contention in this matternor does it specify the origin of the purchases on said account. 

Given LVNV Funding 's failure to substantiate the validity of this debt by providing the necessary documentation, I hereby demand the complete removal and deletion of the said account from my credit report. This request is based on grounds of violations of Virginia Statute, the Fair Credit Reporting Act ( FCRA ), the FDCPA, and potential defamation of character.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

I believe that Wells Fargo was showing that my account was at a negative balance when I, in fact, had money in my account. I also believe this lines up with the current legal action taken against Wells Fargo in regards to their unethical banking practices
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

Account Name : XXXX  XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

XX/XX/XXXX through present PNC bank has multiple errors noted in my account. Tried to discuss them via Customer Support via Chat with no success other than the standard cut and paste answers. These duplicate credits and duplicate withdrawals need to be corrected as they affect my correct balance. I have attached the errors in question via XXXX XXXX and XXXX XXXX. Unless there is a glitch in their system, these duplications should not be occurring. Please see screenshot attached. Please assist in resolution.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an email from Capital One on XX/XX/2023 informing me that my account was closed. No reason no previous notice nothing. I had {$250.00} in rewards points that I was saving for a rainy day. When I called their customer service team, they thanked me for 11 years of loyalty but stated that they sent a letter to my old mailing address that I never received back in XXXX stating they would close my account if no activity in 3 months. I explained I moved during COVID and that I do all of my correspondence via email why would they mail out a letter of such importance. They didnt care, they didnt offer to reinstate my account and will not give me my {$250.00} in rewards. They are thieves! I spent hard earned money to earn those rewards and every correspondence is email except for this one! What a coincidence!
Consumer complaint received 2023-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (KY)

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and XXXX credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Consumer complaint received 2017-02-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MST Financial Services, L.L.C. (WA)

I had health insurance, on XX/XX/XXXX of 2015 XXXX XXXX billed me for no insurance I called back giving them my information, they called me back 5 minutes later stating I did n't have health insurance. I told them I will call you back I should have health insurance so when I called XXXX XXXX back they never would answer I called multiple times leaving messages with no response, I received a call from XXXX about it being in collections I told them I had health insurance and that XXXX XXXX neglected to call me back with any updates. I sent them the information from the XXXX State Health Authority, my debt was removed from XXXX but not from XXXX. Only to find today my debt in collections is not double the amount and showing on both credit reports. I need help I 'm fed up with the games both XXXX and XXXX are playing. I do not owe either a single penny I am on a state funded healthcare program due to low household income my health insurance is free
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate you making the effort to remove and repair some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

I went to Title Max to get a title loan for my vehicle on XX/XX/2023 because I had got laid off in XXXX. We agreed on a loan of {$1600.00}. I never was able to pay the loan back, which I let them know because I wasn't hired by anyone. Doing this period of time I became homeless and my family and I was sleeping in the vehicle. They repossessed the vehicle on XX/XX/2023. They kept a business book which has my driver 's license, XXXX card, and my family and I birth certificates. The vehicle has less than XXXX miles and new paint. They claim they sold the vehicle for {$1600.00}. They say I owed {$2600.00}. So I wasn't given any funds back which I know the car is worth every bit of {$15000.00}. Could you please help me with my situation.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

This company bought this loan from the original creditor. My son is in school and there is a deferment until hes not enrolled in school. This is the second time this company has done this and it has dropped my score drastically. I get no mail, no correspondence, or anything untily credit report is updated.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner, amount {$300.00} This company removed this item off my credit report due to the fact that it didnt have the proper information to verify. Then put it back on my credit report, which is illegal.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 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.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX United States any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-11-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened a Bank of America credit card ( XX/XX/23 ) and had a balance of {$2300.00}. Using the app on my phone it made a pay-in-full instead of setting up a monthly auto pay amount accidentally. I called B.O.A. and they said they would refund the money back into my checking account at XXXX XXXX XXXX in XXXX, MA XXXX and it would take 3 months. Approximately 3 months passed and Bank of America sent me a bill for {$2300.00} and had CLOSED my B.O.A credit card account (!? ) AND the money never went into my checking account at XXXX XXXXXXXX XXXX, XXXX, MA XXXX. I tried several months and B.O.A. said it was in " ESCALATION ''. I went to a local B.O.A. branch and spoke with XXXX XXXX, VP, XXXX XXXX XXXX, XXXX, MA XXXX T : ( XXXX ) XXXX and he argued on my cell phone with the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX T : XXXX about who's fault it is and who should take care of it. No one did anything and I received a letter from XXXX. it has been resolved but I still have not received the money. I closed the account at XXXX XXXX in case fraud compromised. I still have a balance with B.O.A. and my credit is being ruined.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX, Experian is reporting inaccurate information to my credit reports based on wrong information given to them by the following collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give nor did I sign any contract given the original creditors the right to sell the account for the purposes of harassing me and damaging my credit. 
Also XXXX XXXX XXXX is reporting my medical information which is a violation according to the Hippa Law. XXXX is the second collection company that my medical info has been sent to.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MT)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : States a consumer reporting agency, can not furnish an account without my written permission.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

CitiBank randomly lowered my credit limit, within a few dollars of my current balance, right before my bill was due to generate, which then caused me to be over my credit limit. My credit score took a big hit ( down over XXXX points ) because of the credit limit decrease from {$6400.00} with a balance of {$2700.00} decreased credit limit to {$2700.00}. How is this at all ethical or legal?! I have paid my bill regularly, no missed payments and always make at least the minimum payment due. I can verify/prove that my household income is over {$86000.00} a year, and that while my credit card usage increased on other cards it is due to getting my house ready to sell to purchase a new home which now is at risk due to my credit score dropping over XXXX points!
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate BANKRUPTY CASE XXXX XXXX XXXX BANKRUPTY CASE XXXX XX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to contact company and no response and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.