davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to XXXX and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by NelNet, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected in my consumer report under 15 USC 1681 all unverified information must be promptly removed. Due to your current coding system error, you can not verify this information and validate it as accurate, so I request that you remove it I was never late on the accounts listed below, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my accounts. If you can not supply this, please delete the alleged late payments from my credit report. These are invalid late payments. The FCRA allows 30 days for this to be rectified. 

XXXX XXXX, XXXX
Consumer complaint received 2024-04-09
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. (NV)

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 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (FL)

We have been scammed by XXXX XXXX XXXX XXXX XXXX. They let us leave with a brand new vehicle and confirming our loan was approved through XXXX XXXX   and that the only document pending was a water bill, which we later provided. At this time we also paid them {$2000.00} as down-payment. 

A few days later they start harassing us saying that Hyundai needed more documents from us. Long story short and after many days of going back and forth with the sales manager, a finance member and the sales person, we provided them the following documents : Green card copy Passport copy Driver Licence copy Social security card copy ( front and back ) Water bill Marriage certificate Apartment Lease copy After having all these documents that could easily end in Identity theft we received more calls from the dealer saying that they still needed more proof of residence from my husband. At this point we felt we had been scammed. 

They weren't straight forward from day one and NEVER explained to us that all these documents were going to be needed in the first place and instead, let us leave their dealer keeping our down payment and confirming that the loan was approved. 

We received a CANCELLATION CONTRACT notice from them and we immediately returned the car. The sales manager as always promised us the down-payment refund would take some days and that he would try to be a full refund or at least {$0.00} per miles used. 
The day came and for our surprise they deducted {$0.00} used deducting a total of {$680.00} for XXXX miles ; we tried to complain and told them that the return of the car was happening per THEIR request and because they weren't honest with us from day one but as always they just don't listen. 

Consumer 's rights are not being fulfilled in that place. I left with the remaining amount of the down-payment feeling completely scammed. 

Of course we do not agree with what they did to us and we demand a full refund of our down-payment. 

The day we returned the car they kept all the original documents, including the Contract Cancellation notice.
Consumer complaint received 2023-04-21
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. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I, am file a formal compliant again against Citi bank NA. That I though that had already being clean up and settle. some time on or about XX/XX/2013. we apply for a credit card an was deny. I came to the consumer financial protection bureau service for help. And to explain all the fact to then what I believer was race and discrimination. my compliant was surround there scores system. And being XXXX America with out any late payment or missed payment. Citi bank deny me a credit card but after the compliant was file they conduct there investigation that it was an error in the there system. just because of the discrimination claim they approve the credit line of XXXX with a cash avd. XXXX in about three month I request an increase and was prove that day with no credit check and got prove up to XXXX. again no missed negative. the only thank change was my age. income in my house went up. .Citi bank stated that they comply with ECO act equal credit opporturty act.. and they have decrease down to XXXX for no reason at all and pull a sores from XXXX who got big problem in it agency.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST PORTFOLIO SERVICING INC (MN)

I am trying to pay off my debt and I need a statement first because I'm taking out a loan to pay off my items in collections. I have called numerous times to be told they will email me one when it's my turn. It has been almost 3 weeks and they will not provide me with a statement. I'm considering getting legal advice to see if I can take them to court. This is holding me up from buying a home. When I call they tell me they will email one. I have no emails from them yet. Another person told me to submit a picture of a letter in writing stating I want the statement. I have done this a week ago and still nothing. This is unacceptable. The card is a Visa Total card issued through XXXX XXXX XXXX. I have also called XXXX and they don't have my account because this was from several years back.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (FL)

Innovis Consumer Assistance XXXX XXXX XXXX XXXX GA XXXX Innovis, The phone number on file for me is incorrect. 

Attached to this complaint are : written complaint Drivers license social security card Proof of address Please change this.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc (CA)

" VENMO '' is selling our PERSONAL information! 

My mother bought insurance policies from a DIFFERENT company, VENMO bought that insurance company and I just received a letter advising they INTEND to SELL OUR PERSONAL information! Like you, we do NOT wish to share our records or finances with anyone! 

VENMO offers NO " opt-out '' options on their complex site! I include the State of California FORBIDS " companies like VENMO '' from PROFITING by selling ANYONE 'S " PRIVATE information. 

My mother did NOT buy from VENMO and buying a company should NOT include clients personal records to sell. PLEASE check online and see scores of complaints about VENMO! Sadly VENMO continues their " dirty business '' without opposition! This truly is a unscruplious company! 
XXXX XXXX
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am promised accuracy on my report based on federal law. I am writing this letter as another attempt to have these errors corrected in my consumer report under 15 USC 1681 all unverified information must be promptly removed. Due to your current coding system error, you can not verify this information and validate it as accurate, so I request that you remove it I was never late on the accounts listed below, please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my accounts. If you can not supply this, please delete the alleged late payments from my credit report. These are invalid late payments. The FCRA allows 30 days for this to be rectified. 

XXXX XXXX, XXXX
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (IL)

I for the XXXX time EVER didn't pay my XX/XX/2024 bill in full so I was charged interest. I then paid my XX/XX/2024 bill in full and received another interest charge. I called Amex to ask why. They said when I didn't pay my entire bill in XX/XX/2024, the remaining balance continued to accrue interest until my bill was paid in full in XX/XX/2024. So the interest they are charging me, on a paid in full balance is from the previous unpaid balance that I was already charged interest for on the XX/XX/2024 bill. So I was charged {$23.00} on my XX/XX/2024 statement for not paying the full statement for XX/XX/2024, and now I'm being charged another {$15.00} has been added to my XXXX statement although my ENTIRE balance for XX/XX/2024 was paid in full. According to Amex they get to keep addidng interest until the amount is paid.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It is customary and a precedence as well as consumer reporting practice to notate when an account is in dispute. This account was not notated as such, therefore mandating a removal of the account.
Consumer complaint received 2023-10-13
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. (NY)

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 the customer service representative of the said accounts. XXXX - XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2023-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2023-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (SC)

I called the Collection Management Company today, XX/XX/XXXX at 4:20pm. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Their number is ( XXXX ) XXXX. 

They repeatedly asked me for my social security number, and I would not give it to them. They would hang up on me when I wouldn't give my social security number. Finally a person took my name and was able to see that a {$1300.00} charge was from a XXXX XXXX XXXX in XXXX. I've never been to a hospital in XXXX. He said he would just take my word for it and take it off my credit report and that would take 2-3 weeks. I repeatedly asked him if he could send me a confirmation that he took it off of the credit and said he couldn't do that. He said he would do an investigation and see if it was identity theft, and I asked him if he could let me know if it was identity theft and he said no. He hung up on me. 

I called again and was given the same schtick that they are doing me a favor by taking the debt off and taking my word for it, but could not prove to me that they are doing it. Then threatened me by saying they could prove that the bill was mine, but that they were doing me a favor. This is clearly a scummy, fake debt collector.
Consumer complaint received 2023-04-21
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: V and H Portfolio (LA)

Vance & Hauffman collections agency put 2 accounts on my report that had already been removed by the original company that placed them plain green. Now they are back but I am also getting emails about same accounts from XXXX XXXX. This is ridiculous how many companies are going to try to collect something that doesnt belong to me and XXXX my credit up. Whats next XXXX  XXXX will place on my report and it will be listed twice? Then this Vance and Hauffman sends me a letter saying I got a loan from XXXX XXXX in XXXX  absolutely not the case.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I used the bank atm to deposit {$8800.00} onto my bank account and the atm took my money and did not place the money in my account. The branch confirmed the money was in the atm but they have not deposited or returned my money to me. The bank is Citi Bank.I 've called several times to the customer service and the branch.
Consumer complaint received 2023-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MN)

I closed on a home equity line of credit on XX/XX/. At this time, US Bank stated that I was required to pay off three outstanding credit cards in order to receive the HELOC. I had stated at this time, that I did not recognize one of the accounts and did not have a credit card with XXXX XXXX XXXX XXXX. The loan officers said that it did not matter, that I was required to mail the check anyway. I mailed the check after it arrived via USPS. The check was allegedly cashed on XX/XX/. I called XXXX XXXX, XXXX XXXX, and US  Bank to locate where the funds were deposited, and none of the banks could provide me with information. XXXX XXXX and XXXX both said I did not have an account associated with my name, SSN, or date of birth. They could not locate where the check was deposited if I was not an existing customer. US Bank said they can not locate a check or what account it was deposited into after it has been cashed. As of XX/XX/XXXX  - the check for {$750.00} is missing and unable to be located.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX I signed up for XXXX  to see my credit reports. Upon looking over my XXXX report I found that Capital One is listing an account thats charged off and sold to XXXX XXXX XXXX as using XXXX  % utilization. This is not accurate. A charged off debt thats been sold should not be reporting a past due amount nor should it be counted towards my utilization. Under FCRA I have a right to have this information corrected. I would like this corrected within 15 days.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Collection Agency Name : XXXX  XXXX Collection Agency Address : XXXX XXXX  XXXX XXXX XXXX, VA XXXX Account Name : XXXX  XXXX, In accordance with XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to XXXX XXXX XXXX. 
I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Please be advised that if you fail to respond to this dispute within XXXX  days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

During The XXXX of XX/XX/2023 I sent a letter of validation of the bill for account ( XXXX ) to Capital ONE auto finance ( all certified mail/ hand written ), asked the company to send me evidence and bank statements with my name on it, and they did not send statements or remittance coupons with my name on it. I also sent a notice to the CFO of Capital One, telling him I am going to send remittance coupons instead of having my checking account debited. I also got approved for a Capital One credit card and 10 days later, they closed my credit card account ( see enclosed ) ( adverse action ) and added an unknown balance to my car auto finance portal. I was still never supplied with the information I asked for ( see enclosed ).