davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I opened a venmo account for my business and personal use they decided to close my account due to violation of there terms and conditions which none was violated I requested the proof that I violated there terms and conditions and they refused to give it to me I have XXXX in my account they closed the account and refused to give the money back. I have done nothing wrong with venmo and they refuse to give my funds back
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

XXXX We had issued through XXXX XXXX XXXX XXXX XXXX XXXX ) an ACH collection in the amount of {$1300.00} payable on or about XXXX XXXX, XXXX. 

XXXX This was for rent collected from a tenants ( XXXX XXXX ) from her account ( # XXXX ) at Chase with routing number XXXX. 

XXXX The tenant terminated the Lease but we forgot to remove the ACH. 

XXXX On or about XX/XX/XXXX, the tenant called and said money was withdrawn from her account. We told her that it was a mistake and we will refund it. We checked out account at XXXX and in fact our account was credited for that amount. 

XXXX We issued her an ACH payment to refund her for the same amount. We emailed her proof of the ACH refund payment to her. 

XXXX In early XX/XX/XXXX, we reviewed our XXXX XXXX bank statement. We found out that our account was credited {$1300.00} once, but debited for {$1300.00} twice. Our refunding her went through but her bank, CHASE, recalled and took back the original {$1300.00}. XXXX did not notify us about this until we saw the XXXX monthly statement. 

XXXX As a result, our account is {$1300.00} short. 

XXXX We brought this to the attention of the manager at XXXX XXXX  XXXX After some vacillations, he said his Treasury Management will contact Chase to return the money. 

XXXX On numerous occasions I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX He states that this is not his problem but XXXX Treasury Management has contacted Chase about this twice, and that Chase has not responded. I asked and was told that by law, Chase has two weeks to respond but it has not responded to their inquires. 

XXXX Before filing this complaint, I called Chase and spoke with a XXXX ( call Ref # XXXX ) to see if Chase can explain the reason for failure to respond to XXXX XXXX  XXXX She did not have any inforamtion.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CORELOGIC INC (MI)

all inquiries need to be removed from XXXX Credco XX/XX/2023, Credco XXXX XXXX, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, Corelogic XX/XX/2023 and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (AL)

I discovered a collections account had been added to my credit score under a previous legal name ; I disputed with the credit reporting agencies, and several times with the debt collection agency directly, asking to be put in touch with someone who handles fraud - yet they maintain that the debt is accurate and provide no information on how I might send documents to challenge the claim. 

After months of dealing with the accounts impact to my credit score I finally received a page of information detailing how the account was opened. The information provided to open the account can be determined as fraudulent within seconds because the number generation system that is used for Illinois drivers licenses could not have produced the ID number provided given my name and date of birth. 

I continue to ask where I can send copies of my actual license to verify this discrepancy and I am given fax numbers that are not operational and no clear answers on who specifically I need to contact to dispute this obvious issue of fraud that should have been spotted before the account was ever opened.
Consumer complaint received 2023-06-26
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. (IL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-05
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with XXXX  statues. Please remove the following accounts completely from my credit reports.Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Request a copy of assignment and release for both loans from Bank of America ( XXXX andXXXX ) from XXXX. I Do not agree with loan amounts for both loans for XX/XX/XXXX money purchase for home.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAS Debt Recovery, Inc. (AL)

I discovered a collections account had been added to my credit score under a previous legal name ; I disputed with the credit reporting agencies, and several times with the debt collection agency directly, asking to be put in touch with someone who handles fraud - yet they maintain that the debt is accurate and provide no information on how I might send documents to challenge the claim.

After months of dealing with the accounts impact to my credit score I finally received a page of information detailing how the account was opened. The information provided to open the account can be determined as fraudulent within seconds because the number generation system that is used for Illinois drivers licenses could not have produced the ID number provided given my name and date of birth. 

I continue to ask where I can send copies of my actual license to verify this discrepancy and I am given fax numbers that are not operational and no clear answers on who specifically I need to contact to dispute this obvious issue of fraud that should have been spotted before the account was ever opened.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Fair Credit Reporting Act requires consumer reporting agencies to be fair and respect privacy, XXXX, Transunion, and XXXX are such agencies, and I have the right to protect my private information. Financial institutions much also respect privacy and confidentiality. the agancies can only share information with my written consent. I revoke any consent given. The financial institution did not inform me of my right to withhold information. The agencies are reporting adverse information without my permission, which is illegal. 15 USC 6801 States that it is affirmative and continuing obligation to respect the privacy of its customers. Please provide proof that the payments were late. if unable to do so, update my payment history to PAANL status ( paid as agreed, never late ) and supply XXXX XXXX with a corrected credit profile. Please provide this results in the next 15 days.
Consumer complaint received 2023-05-09
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2023-05-05
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: LEXISNEXIS (NV)

I want to file this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Equifax states that my XXXX account is reporting accurately. Their own website and credit report shows conflicting information. XXXX is showing no late payments at all. Equifax is showing ( XXXX ) 30 day lates, ( XXXX ) 60 day late. XXXX another part of the report it shows ( XXXX ) 30 day late, ( XXXX ) 60 day late and ( XXXX ) 90 day late. This is from the website. The paper report I received XXXX states a code ( XXXX ) that reflects no more than XXXX days late, but the report shows a 90 day late. Also my payment is {$390.00} per month not a scheduled {$400.00} per month. This is inaccurate. I plan to file another small claims lawsuit against Equifax for the errors. I'm attempting to refinance my property and the errors are causing a problem with moving forward. I plan to file another small claims lawsuit. My previous suit was filed in XXXX XXXX and settled in XXXX XXXX.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I co-signed a card for a friend who was getting {$3400.00} to have lasik eye XXXX. it was a line of credit for medical expense. The person who was making the payment was locked out of her account online and she tried, has several emails back and forth trying to fix that problem. She started paying over the phone because they do not send statements and she has no emails from them. I do not get anything. I found out my credit score went down by more than XXXX points because they reported me for not paying. Although i was a co-signer, i was never given any notification whatsoever that this was going into collection. My credit report shows a collection. When i called the company i found out it is not in collections. HOwever, the statement on this account shows {$2500.00} due. When i called and on my credit report, it shows {$5600.00}. They hung up on me when i wanted a printout of how they added this much to the balance and is it legal for them to ruin my credit without giving me an opportunity to fix it or pay?
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (MT)

I disputed an account on XXXX  that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from hyundai showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to hyundai 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

I made several calls to Nelnet before the month of XXXX. I spoke to an agent named XXXX. He took my verbal permission and assured me that I was enrolled in the XXXX XXXX and interests are covered by the government under the save plan. On XX/XX/2023, I see interest has grown a lot more without justification and when I call, I speak with an agent named XXXX. XXXX states that I was only on an XXXX plan ( XXXX XXXX ) and I was not on XXXX XXXX as XXXX stated. Seems like XXXX agents gave me XXXX different answers regarding my account status. I should have been on the XXXX Plan before the month of XXXX as per discussion with XXXX but XXXX states that Kevins Save Plan verbal request did not go through and she takes another verbal request from me. I do not agree with interest rates on Nelnet. They are severely higher than what student aid gov shows and they have given me wrong information regarding my account XXXX XXXX which affects the interests rates as well. They are not accessible via phone as wait times to reach an agent is XXXX hours and they do not respond to emails and they do not have secure live chat or messaging upon logging in for customers. They refuse to have a open line of communication with customers. They avoid customers and apply interests without clarifying. They only reached out to me with XXXX call because they heard a report was filed on CFPB. When I call them XXXX times a day and wait XXXX hours on hold, they do not answer my questions regarding my account but when they hear a report was filed, they call. It is clear to me that they only care about avoiding customers concerns in order to apply more interests. They take advantage of customers by avoiding them or giving them inaccurate information. They only reach out to customer when a report was filed to protect themselves but not to help the customer. They never called me to follow up on my requests. There is no way of communicating with them and they use this to their advantage to apply interests daily. Therefore, I do not agree on any interest they applied to my account as they gave me incorrect information about my account. Their XXXX agents gave answers with discrepancies which leads to inaccurate interest rates. I should have been on XXXX XXXX with covered interest as per XXXX promise before the month of XXXX. However, this is not the case. I need clear answer from Nelnet with clear solutions to these concerns. They also need a proper live chat that is secure messaging available to promptly answer clients since interests apply daily. They need to be accessible to all concerns which is not the case. The only care when a report gets files unfortunately.
Consumer complaint received 2023-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Fl XXXX To whom this XXXX concern, after recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete it immediately. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also while looking at my Consumer Report I see that Regional Acceptance is on my report. However the account has been written off and or cancelled. the IRS sees this as taxable income and income can not be reported on a consumer report. Please Delete immediately. Please see document enclosed. 


XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I applied in good faith for three different business credit cards that American Express required a personal guarantee on which were denied. 

15 USC 1602 ( l ) states what the term credit card means and how it is used to obtain money, property, labor or services on credit.

15 USC 1602 ( p ) states what is an unauthorized use of a credit card in which the cardholder or consumer receives no benefit in which I did not receive a benefit.

15 USC 1691 ( a ) ( 3 ) states it is unlawful for any creditor to discriminate against the applicant when the applicant has in good faith exercised any right under this chapter.
Consumer complaint received 2023-05-04
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: WELLS FARGO & COMPANY (PA)

Disputed an account I have no knowledge of on XXXX because 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. 

WELLS FARGO AUTO XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX ACCOUNT : XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TX)

I attempted to take a loan out for home items but the loan never went through as when I went to check out the approval status changed when I tried to checkout. 

acima repeatedly calls me and says I owe them money, the product has been delivered, and they can deduct money from my wages even though I never had this order. 

They use what looks like personal cell phone numbers in an attempt to get you to respond or answer the phone ( with fictitious names attached to the numbers ). The voicemails tell you they will come to your house to collect your money or wi continue to call if you do not pay. 

They also constantly text you ( at least 5-7 times a day ) and relentlessly send emails. No postal mail is sent.