davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

My student loan servicer is Nelnet. I applied for SAVE plan and was approved. It shows I am on the SAVE plan for all of my student loans. My monthly payment is now {$0.00}. However, I am still accruing interest on my student loans. This interest amount was around {$1000.00} last month, and now {$2400.00} this month, which is not correct according to the SAVE plan. I called Nelnet. The Nelnet " advisor '' on the phone said that Nelnet doesn't decide if my interest plan is forgiven or when it is forgiven, the government does. However, according to the SAVE plan, which the Nelnet website states I am on, my interest should be a much lesser amount. The person over the phone said I just need to get the interest below {$2000.00} but I don't need to pay the full interest before it starts to go to principal. This does not make any sense to me. She said she did not know the exact amount of money I would have to pay in order for it to start going to interest, but it didn't have to be the full interest balance and kept saying it just needs to be below {$2000.00}. I asked if that meant I got my interest down to {$1900.00} then would any other payments go to principal since that's what she was telling me. She hung up on me! Nelnet also has no way to provide feedback on the call since in order to do so I was supposed to stay on the call, but she hung up. The call was less than 10minutes, some of which was taken up by me confirming my information. I have no way of paying my full interest, which is supposed to be lower according to SAVE, and I want to begin paying my principal with what little I have. I have no way to get information from SAVE about student loan interest forgiveness and mine keeps accruing. 
I have no way of complaining to Nelnet. They actively discourage you from emailing them, the email form requires several clicks to get to on their contact form, and they say their email volume is high. If it is high, they need to hire more people.
Consumer complaint received 2024-01-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (IN)

Initial communication via CFPB and FTC. 

Creditor NBC responded with debt validation. 

Entered into settlement with NBC in which they stated tradeline would be removed from the credit reports. 

As of XX/XX/XXXX this has not yet happened. 

Payment made XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

I am disputing these debts because these were corporate accounts/corporate leases/corporate debt that I never agreed to be personally liable for. These corporate leases and corporate debts were in the name of a corporation called XXXX XXXX, XXXX. I was a XXXXXXXX XXXX XXXX XXXX XXXX XXXX so I signed the leases on their behalf but I never agreed to be personally responsible nor personally liable for the accounts and debt of XXXX XXXX, XXXX. These are corporate debts only. Enclosed are copies of the lease agreement for these accounts between XXXX XXXX and XXXX. Hunter Warfield is a 3rd party collection agency, who wrongfully placed this debt on my personal credit.

Hunter Warfield gave me these leases and account statements for XXXX XXXX, XXXX. These documents that Hunter Warfield provided clearly show these debts are corporate debts for XXXX XXXX XXXX, NOT personal ones for XXXX XXXX.
Consumer complaint received 2024-01-04
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 (MD)

Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX XXXX XXXX. Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from XXXX XXXX  number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC (CA)

hey XXXX XXXX it appears that this item on my credit report has turned into a charge off but I noticed you never sent me a 1099 would you be so kind to send me a 1099 for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it I've gone through a serious financial hardship and this would help me with my credit in the future thank you so much
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NY)

APPLE CARD - XXXX XXXX Reported : XXXX XXXX, XXXX - {$6400.00} Closed Overview You're currently using 99 % of your account 's limit. 

Balance {$6400.00} Credit limit XXXX XXXX  Monthly payment No Info Opened XXXX. XXXX, XXXX ( 2 yrs, 9 mos ) Payment History Youve made 42 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$6400.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnisher Times 30/60/90 days late XX/XX/XXXX Closed No Info This account listed above is fraudulent and it has been reporting on my credit for over a year a negative report this account must removed asap, now! 
It's prohibiting me as a US CITIZEN to evolve and progress in life. IF YOU INVESTIGATION CAN NOT BE PROVED Under LAW " FAIR CARES ACT '' 15 USC 1681B - PERMISSIBLE PURPOSE... this account must be removed permanently
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Neon Newco Corporation (MO)

My financial institution Netspend is not releasing my provisional credit. My account has been Fraudulently overtaken and the provisional credit has not been released. I am XXXX veteran and this was all that I have of monthly XXXX compensation.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

I believe the accounts are invalid. STATE EMPLOYEES CREDIT UNION ACCOUNTS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the accounts to be removed from my credit & their records.STATECU XXXX and STATECU XXXX.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX I required a validation of debt from IC SYSTEMS COLLECTION. They sent a letter saying " we are able to identify the account record without further information. I call IC SYSTEMS COLLECTION gave them my name, they could not identify the account. 
Their clients knowing it was squatters on property after I move out. They are responsible for all the damage that was done. 
Information on my credit report is incorrect : Exquifax : Date of XXXX. Delinquent XX/XX/XXXX XXXX on XX/XX/XXXX is XXXX XXXX : Date open XX/XX/XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given CitiCard notice of opt out in XXXX, XXXX and the 2nd Notice of Opt out on XX/XX/2023. CitiCard is in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bililey Act ( GLBA ) ( Privacy of Consumer Financial information ). This notice is in regard to CitiCard Customer name XXXX XXXX, account number XXXX. Please see the attached opt out letters and information sent to XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (CA)

I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

APPLE CARD/GS BANK USA XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or APPLE CARD/GS BANK USA customer service representative XXXX 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (NC)

ProCollect reporting negative rental debt to my credit report for XXXX XXXX gave XXXX XXXX a copy of my XXXX XXXX military orders and a forwarding address for my final bill so I could pay it when it was available. I never received anything from XXXX XXXX and my access to my account was deleted when I tried to log in and see if there was a balance due. I never received anything from them and my calls and voicemails went unanswered. 

I have never received anything from XXXX, a call, voicemail, letter, email, nothing. When I saw a negative mark on my credit from ProCollect, I called to advise I would like validation of the debt, including itemized statement and assignment to creditor notification mailed to my address to verify the debt owed and be allowed my 30 days to dispute or pay the amount prior to reporting to my credit report. I advised I never received anything from the original creditor or ProCollect and verified my mailing address and information. 

I advised I was called to active military duty and had an attorney on retainer and did not want to make this an issue or problem. I simply was requesting the debt to be validated in writing or at least resend the initial notice of assignment to collections so I could have a written record of what I was paying. 

The representative ignored my request again and rudely asked for my attorneys name and information, and I advised I didnt know what company this is and didnt feel comfortable continually giving out my personal information and that of my colleagues to strangers on the telephone. The representative then said that she would mark my account as refusal to pay and she disconnected the call. 

The representative ( all three I spoke with ) were extremely rude. They continually talked over me and threatened to mark my account as refusing to pay if I didnt just pay them today, and repeatedly declined to send the information about the debt in writing to my address. 

My requests to speak with a supervisor were repeatedly declined. I advised repeatedly that I was NOT refusing to pay, I simply had never heard of the company and wanted verification of the debt and the original assignment to collections notice sent to my address in writing so I could feel comfortable paying any amounts owed to some company I had never heard of. 

After speaking with three different representatives and being on hold and transferred half a dozen times, hung up on three times and being told I needed to log onto their website and provide more of my personal information to request validation of my debt and assignment to their agency, I ceased attempting to resolve the issue with their company. 

All I wanted was validation of my debt and the initial notice of assignment to ProCollect sent to me in writing so I could verify the information and be given the opportunity to pay the amounts owed if I saw they were correct and valid prior to reporting negatively to my credit report.
Consumer complaint received 2024-01-03
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 (NC)

Hello, So I recently opened a Venture one credit card with Capital One in my name ( XXXX XXXX XXXX. After a few weeks, I ended up earning over XXXX points that I would like to transfer into my travel loyalty program at XXXX XXXX. I have tried several times to use their convert rewards feature in the app to complete the transaction but havent been successful. I have made so many calls to Capital one to verify my number and resolve the issue but they havent been helpful. Please help me get this resolved. Thank you.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

I am writing to formally notify you that your actions have violated my rights as outlined in the Fair Credit Reporting Act, specifically under 15 USC 1681 Section 602 and Section 604A. As a consumer, I have a right to privacy, which includes restrictions on credit reporting agencies furnishing accounts without my written instruction, as mandated under 15 USC 1666b. THIS COMPANY HAS VIOLATED MY RIGHTS BY CONTINUOUSLY REPORTING AND SENDING MY STATEMENTS TO THE INCORRECT ADDRESS! XXXX XXXX XXXX -- -this is not the consumers address 1. AMEX It has come to my attention that a late payment on my credit card account under an open-ended consumer credit plan has been treated as " late '' for reporting purposes. This action is in direct violation of the aforementioned statutes. 

I have repeatedly requested an address change as I have never lived at this address in my life.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-16
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Other 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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (CA)

i tried to deposit a large amount of money into the bank to get the 5.5 % XXXX interest. 
the bank did not transfer the money instead, after 4 days, i get an email that my account has been restricted and now being investigated for legality. 

i now have {$980.00} that I can not withdraw the bank if called XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (CO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2023-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX  XX/XX/XXXX, I received a Capital One XXXX XXXX XXXX I never applied for this card. I immediately called the company and told them that I never applied for a card but received one. They told me I can give them some information of mine so they can further investigate the claim and closed the account for me.