davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Nelnet is employing predatory practices to extort borrowers. I applied for Income Driven Repayment plans, was not updated on its status, and called numerous times for updates. On each call, usually hours long, the associate would tell me not to worry, and that I would receive an approval soon. This began in XX/XX/XXXX. 

By XX/XX/XXXX, I still had not received that information, and they notified me that a payment was coming due. I called again, and this time spent nearly 3 hours talking to an associate. It turns out Nelnet had never processed the application. I worked with her to get it approved right there and then, and to apply the forbearance to the previous months. She said it was completed, and sent me official documents stating I had {$0.00} payments through XX/XX/XXXX. 

Today, XX/XX/XXXX, I received an email stating there were now over {$2000.00} in payments due, including a {$1800.00} charge that was 131 days past due. 

If I wasnt tenacious and frustrated to the point of fury, I could see how Nelnet would prey on someone who might just pay the charge and get further into financial ruin. 

This is completely unacceptable, and it is in line with a long string of predatory behavior. Nelnet recently lost a class action lawsuit around the same matter in Massachusetts. They are not fit as a lender, and are more fit to sell used cars as that is the kind of practices theyre employing.
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

I have emailed pro collect with evidence showing that I do not owe debt and still have no evidence sent from them showing I owe debt, I have email 4 times with no response. This is in regards to a lease that I did not sign.
Consumer complaint received 2022-10-25
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. (RI)

These accounts are paid in full and please reflect paid in full {$0.00} Balance Dept of Ed/XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-16
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. (FL)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$230.00}.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHERRY TECHNOLOGIES INC. (MD)

In XX/XX/2023 I discovered an account on my credit profile from the credit Cherry Technologies, I then contacted Cherry and opened an dispute explaining XXXX XXXX were never provided therefore charges were invalid. Since then I have sent numerous emails and made phone correspondence with Cherry Technologies requesting the information be correct on my credit profile with XXXX, XXXX, and XXXX as soon as possible. To no avail - I have even offered to pay for deletion of this negative account and have no received a response. Cherry continues to report the negative account on my credit profile monthly without satisfying the burden of proof that services were rendered. 

The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates the accuracy of information on credit reports. Under the FCRA, creditors are required to report accurate information to credit bureaus and to correct any inaccuracies promptly upon notification. Additionally, consumers have the right to dispute inaccurate information on their credit reports and have it investigated and corrected by the credit reporting agencies. Failure to comply with the FCRA 's requirements can result in penalties for creditors.
Consumer complaint received 2023-05-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A coupe of the inquiries were removed by the original creditor letters was sent to myself and XXXX, Experian, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (IL)

4 Subject : Complaint Regarding Violation of FCRA by USBANK Dear CFPB, I am writing to file a formal complaint against [ Bank Name ] regarding a violation of the Fair Credit Reporting Act ( FCRA ). The nature of this complaint is rooted in the bank 's failure to adhere to its commitment to pay and delete a debt from my credit report, despite my fulfillment of the payment terms. 

Account Information : Creditor Name : US BANK Account Number : XXXX Chronology of Events : 1. I entered into an agreement with US BANK to settle a debt with the understanding that upon receipt of payment, the bank would promptly initiate the process of deleting the associated negative entry from my credit report.

2. I fulfilled my end of the agreement by making the payment to US BANK, in accordance with the terms specified in our agreement.

3. Subsequent to the payment, I have diligently monitored my credit report and noted that the promised deletion has not occurred, thereby violating the terms explicitly agreed upon. 

This incident constitutes a clear breach of the FCRA, which mandates that information reported to credit bureaus must be accurate and must reflect the actual status of an account. Additionally, the FCRA grants consumers the right to dispute inaccurate information and ensures that credit reporting agencies conduct reasonable investigations in response to such disputes. 

I kindly request the CFPB 's intervention to investigate this matter thoroughly and compel US BANK to fulfill its commitment by promptly deleting the inaccurate entry from my credit report. 

Your prompt attention to this issue is appreciated, as it directly affects my creditworthiness and financial standing. 

Thank you for your assistance.
Consumer complaint received 2024-03-07
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/2023 my account and or card was hacked and used to buy multiple products from the merchant XXXX for the amount of {$340.00}. I called the bank immediately to cancel my card. I was in the phone with a baker as the person was person who stole my info was making purchases. The bank initially gave me my money back but then in XXXX took back {$66.00} and then in XXXX took back {$270.00}. The claims department is saying the merchant is saying I authorized the transactions when I clearly did not. I do not understand why the merchant even shipped out these products or how when the card got cancelled. I called in XXXX to see what happened and the claims banker is the XXXX who gave me the tracking number for the {$270.00} purchase. The product went to somewhere in Wisconsin and I live in California. I even showed the bank this proof when I went into the branch. This type of business allows thiefs to keep doing what theyre doing and hard working citizens to be punished for it. I would like to get my money back.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (VA)

I purchased XXXX through XXXX, via XXXX, through XXXX. I made multiple attempts with multiple credit cards to complete the transaction. The third attempt with my TD Bank Cash Credit account was accepted. I was not told by the exchange processor prior to the transaction that the transaction would be subjected to cash advance protocols. I purchased {$30.00} worth of XXXX on XX/XX/24. I was assessed a {$10.00} cash advance fee by TD Bank on XX/XX/24. I made a payment towards the entire balance of the account on XXXX. I was assessed another fee, that was not clearly described, on XX/XX/24. I contacted customer service on XX/XX/24. The fee was not easily described. The fee was reversed. It is my understanding that the purchase I completed was assessed a flat and rate fee as a cash advance.
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I took the loan out to repair my roof. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had some issues and I can not effectively use my XXXX XXXX. I have been out of work since XXXXI begged net credit for a for a forbearance but they refused. I have been dipping into my retirement fund which is almost depleted just to pay rent and utilities etc. I make a payment when I can but net credit took out XXXX XXXX more than I had tried to pay resulting in a real hardship.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

this is part of complaint filed same problem as case XXXX I guess I must send this to each company involved its been sent to XXXX now same for Macys which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys.comXXXX XXXX
Consumer complaint received 2024-04-17
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (TX)

My mailbox was broken into in XXXX and mail was stolen. I made a complaint to the complex as well as the United States Postal service.. This month I saw where a collection was placed on my credit report. The account was opened in XXXX of 2023, I do not have an account with XXXX nor have I applied for a account with XXXX since almost 10 years ago. This old account has fallen off my credit 3 years ago.I have disputed the recent account as fraudulent due to it being opened in XXXX but Jefferson Capital Systems who is known for buying junk debt, and resorting to illegal debt collection practices refuses to remove it.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (OK)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint regarding the unauthorized disclosure of my personal information, which violates the Family Educational Rights and Privacy Act ( FERPA ) and 20 USC 1232g ( b ). Despite the legal protection afforded to my personal information under these regulations, my information has been disclosed without my written consent.

I wish to emphasize that I have never provided written consent to the XXXX XXXX XXXX or any credit agencies to furnish my personal information. This breach of privacy has caused me significant distress and concern for the security of my personal data.

I am hereby requesting that you conduct a thorough investigation into the matter and provide documentation demonstrating that you have obtained my explicit written consent as required by FERPA and 20 USC 1232g ( b ). If you are unable to provide such documentation, I demand the immediate removal of the disputed information from my credit report.
Consumer complaint received 2024-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2023 I received a notification from Bank of America stating that there may be a fraudulent activity happening with my credit card. There were XXXX purchases made in a short sequence. I immediately reacted and reported these were not purchases made by us. They blocked our cards ( we had XXXX, me and me wife ). Within a few days, we received new cards and also in about 14 days the charges were credited. 

After that I didn't pay attention to the ongoing claim investigation as I thought everything was already resolved. 

Now the interesting part! 

On XX/XX/2023 our new cards were charged {$740.00} and {$1.00}. We also received a message from Bank of America that our fraud claim was resolved. 

I called them immediately and asked for explanation. They just told me that based on our shopping habbits the AI they have built into their claim resolution process decided that the XXXX transactions- both made online, {$740.00} at XXXX XXXX in XXXX and {$1.00} XXXX XXXX were made by us. 

I couldn't believe it! 

I am thinking that I immediately identified the fraudulent transactions when I received the notification and blocked the card but they are telling me now that I was the one who actually purchased the items. 

Called Bank of America, they apologized and told me they are going to review it again by a human being this time. 

A week later I received another claim resolution stating that we made the purchases. 

I immediately called them and they told me on the call that XXXX XXXX sent them the online order made by my wife and the address was matching with our home address. 

I asked them if they can send us the delivery proof because we never purchased it and never received the items. Waiting on them but this is truly outrageous! 

I don't understand how is this possible when I stopped the transactions the same day as I was notified but they still continued with the sale and are acting like they have the order saying our name and that is why we purchased it. 

Before - Bank of America does not offer fraud protection with their credit card and clearly does some suspicious business activity with merchants such as XXXX XXXX and XXXXXXXX XXXX XXXXXXXX!
Consumer complaint received 2023-01-19
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. (FL)

The below listed below accounts are on my credit report but do not belong to me. 


XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (CT)

The Apple Card was on the Apple Wallet and this was linked to XXXX. There have been fraudulent charges on both accounts and the XXXX account was completely taken over. Someone has been adding amounts that I supposedly have to pay by cash, XXXX or gift cards. Apple closed my account for " inappropriate use '' and XXXX refuses to cancel my account and delete my personal information and credit cards. I went through identity theft in the past and my social security number was used by a scammer to file taxes. The charges on my account are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I approached Apple Card through the chat feature and called them to file complaints and told them about the fraud. I provided detailed evidence of each case and every time they opened cases and then " reversed '' the charges. Apple then added the charges back to my account as new. All of the charges were paid by me and they should not have been added back as a new charge. I already paid them. Some of the fraud happened in XXXX while I was rebuilding my credit from the identity theft. I did not want my credit score to be impacted. The amount of charges that were added back to my card after their investigation into the fraud was {$7500.00}. Apple issued a " provisional credit '' and then lost or never retained any of the documentation that I provided in any of the at least seven times that I tried to get them to do something. Once enough time had passed they would send me an email that the provisional credit was being reversed and charged my account again. 

XXXX XXXX used the credit card information from one sale that was authorized in XX/XX/XXXX to pay for purchases on XX/XX/XXXX for {$360.00}, XX/XX/XXXX for {$360.00}, XX/XX/XXXX for {$390.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX for {$510.00}. The only way to reach the company is to send them a message by chat and then put the details into an generic email that supposedly goes to California but really goes through somewhere offshore. XXXX never raised any objection or required additional information from the seller despite receiving multiple emails telling them it was fraud. XXXX also refused to issue a refund for the purchase on XX/XX/XXXX due to them telling me that they had not received the purchases. The box that they sent to the wrong address was ripped open and rummaged through when I finally received it. It had a sticker from the shipper that said that the box looked like this when they received it to send to me. The Apple Card was used in all of the transactions and continues to remain on the XXXX site despite being closed down for " inappropriate usage ''. 

XXXX XXXX billed me for someone else 's charges as did the XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-07-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Owed : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I have placed XXXX separate phone calls to MOHELA since XX/XX/XXXX. On that date, I requested a refund for XXXX payments I made during Covid, totaling {$4000.00}. I was also going through the PSLF process. On XX/XX/XXXX, a MOHELA customer service agent told me that XXXX of my XXXX loans - XXXX XXXX and XXXX XXXX - were forgiven and discharged retroactively on XX/XX/XXXX. She said I would get a refund for overpayments : {$3700.00} for Loan XXXX XXXX  and {$4500.00} for loan XXXX. I have not received any refund. Each time I called MOHELA, I was on hold for more than an hour and they could only provide limited information. I called yesterday and today trying to reach an " advance agent '', but was repeatedly placed in a queue answered by customer service agents who said they were not advanced and could not help. I requested to be transferred to a supervisor and the request as denied. I am owed more than {$12000.00} and it has proven impossible to obtain information from MOHELA about these refunds.
Consumer complaint received 2023-08-25
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.