davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (CA)

The company offered me 3 months on time payment s then they would send the fha paperwork to put the fha forgiveness for Covid in the back of the loan. So I paid 3 on time payment s and the paperwork never came. Everytime I call midland Representative they say just wait. Yesterday I got a bill for XXXX and it gave me to XX/XX/XXXX to pay the XXXX. I have been paying. When I call customer service no one knows whats going on. Its making me nervous and XXXX, I got 2 XXXX  kids and an elderly mother depending on me. I cant sleep at night. Please help me and get to the bottom of this I will be grateful.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Checking acct ending XXXX Company XXXX XXXX XXXX by XXXX 3 Transactions all dated XX/XX/2024 Transaction amount {$100.00}, {$340.00} & {$500.00} I stayed at this hotel XX/XX/XXXX check out XX/XX/XXXX. Received a checkout reciept by email on that day saying balance due was XXXX XXXX charges above total XXXX there a XXXX difference owed. Also there were unauthorized shop charges of XXXX I did not authorized that nor authorize room charges. Attached is a copy of my checkout reciept
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and XXXX  XXXX  is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I have been attempting to call their call center to add an e-mail or phone number to my already existing neltnet account so that I can access my nelnet because I forgot my username and password years ago. I am told the only way to add multifactor authentication to reset my password or recover my username is by calling them. Every time I call it either hangs up and says the call center is experiencing too many calls or its closed even though I call during the operational hours that they list on their Nelnet Website. I am beyond frustrated. I applied for the save program nearly a month ago but apparently Nelnet is not accepting the application or approving it for some stupid reason.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and Instrument Tendered is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the XXXX is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (TX)

Compliant ID XXXX & XXXX I have requested since XXXX of XXXX a copy of the credit agreement that obligated me to a debt the company was trying to collect. It has never received. In the company 's response dated XX/XX/XXXX and a second response dated XX/XX/XXXX, they stated that is was being mailed under separate cover. It has never been received. The company is distracting the CFPB from their wrongful actions by stating it would be provided and never providing the information. 

There is no way that two separate mailing have been mis-handled. They were never mailed. The company is blatantly distracting and insulting this process.
Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

Jefferson capital, ,debt collection, I've contacted several times, told them the debt amount was incorrect, due to the fact XXXX  XXXX would not accept the phones back and deduct from final bill,, they say it's not their problem, ,contacted XXXX several times and complaints, they contacted Jefferson capital with no results,, contacted again XXXX  still gets no response,, Jefferson capital says I owe XXXX without the phones removed and won't deduct
Consumer complaint received 2024-05-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

I am repeatedly charged multiple times a month for purchases that are not mine. Apple refuses to block these charges and, after closing my card and getting a replacement for my card, this still continues to happen. Now, Apple is refusing to refund these charges that I did not make, did not approve, while I continue to ask they they deny any charges that are not mine. Please help me get Apple to do the right thing and stop charging me for charges that are not mine - and refund me for the charges that have posted that are not mine.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I don't recall having a contractual relationship with this collection company ( JEFFERSON CAPITAL SYSTEMS , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2023-06-08
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. (NY)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : $ {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-12
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've reached out to Experian, XXXX and XXXX multiple times regarding inaccurate information and they've failed to remove it or provide the requested information for why it is still on my credit reports.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC. (NE)

On XX/XX/year> I had a merchant take unauthorized charges from my checking account with XXXX in the amount of {$170.00}. I had received a text asking If I made the purchases or not and I responded no. The bank still allowed the charges to come through and take out my current balance. The charges then were pending for a few days and I could not make a dispute until they posted to the account. Once I put in dispute ( # XXXX ) I had to wait 10 business days for them to investigate the charges. On the 10th day I received credit back for my money of {$170.00}. I called the bank and they told me the merchant was blocked and couldn't get my money. I ordered a new card and then was getting notifications of the purchases again, called, the rep told me they were still trying to get from my old debit card info and not to worry it was the card number not the account number that the other merchant had. Was also told the merchant XXXX was blocked. Then on XX/XX/year> I woke up to a bunch of texts asking if I made those purchases and it was from the same merchant as before. I responded NO the charges still came through my account again of {$88.00} taking my bank account negative. I had called them immediately and the rep told me that even though it was still pending he put in a dispute. The next week I wasn't seeing an email or anything with the dispute so I called on the XXXX and I was told one was not put in. At that time I put XXXX in an over-phone Dispute ( # XXXX ). Spoke to manager XXXX I believe who looked into it more, she said she seen the request to block the merchant but it wasn't done. In summary she told me I had to wait the 10 days allowed for them to look into it. There is no reason I should have to wait again for this long to get my money back when its fraud and there back room already investigated it on my account prior. This merchant is in a totally different country my funds are converted to euros, it's clearly fraud. When I call or chat they don't care they say I have to wait. Took my account into overdraft protection and they are trying to collect on it because it's negative even though I have a dispute in, They don't back there customers, they make them pay for the fraud by waiting and that's unacceptable. No provisional credit can even be given in the meantime. Especially when it happened before. They are rude and don't care what issues it caused they just apologize over and over. I am now waiting again while in review and have no money to do anything at this time.
Consumer complaint received 2023-12-26
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. (TN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Today, XX/XX/XXXX  I attempted to purchase a {$65.00} XXXX egift card using my bank debit card ending in XXXX. The order malfunctioned, didn't produce an order #, BUT charged a {$65.00} authorization. Bank of America refused to release authorization, & stated unwillingness to provided future authorization release date which violates federal law and proves a bias relationship with the merchant. This bank has denied my right to dispute, as the hard charged will never process. In effect my {$65.00} funds earmarked for groceries have been stolen by this bank. An audit is highly recommended!!
Consumer complaint received 2024-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

I noticed my account was frozen earlier in the year. I called Marcus.com in late XXXXearly XXXX to unfreeze, the agent said my phone number is not in my name so they cant unfreeze my account, which is not true. XXXX is the only number I have ever used and its always with my name with XXXX. They said they are not able to send a SMS verification code to my phone number. They then offered to mail me a notarized affidavit to fill up which was the only thing they said they can do. They promised it would be delivered 5-10 business days. Its now end of XXXX, its been XXXX, nothing was delivered. Today I called Marcus.com again, a different set of agents went through the same scripts again, told me the same thing that my phone number is not in my name. The agent could not escalate the case, she does not have any direct contact or email address, she can not provide a contact in her back office that can ensure my case is being addressed and resolved, the only thing she can do is to submit a complaint for me and asked for another notarized affidavit, but that needs another XXXX business days to approve it before they even send it out to my address. At this point Im losing my patience, I cant trust them any more. They promised me in XXXX but nothing ever was delivered. I asked about if they have local branch I can visit in person. They said they dont have local branch. They can not expedite notarized affidavit and said because no one uses emails at Marcus. After the call, I went to T-Mobile store and explained the situation, T-Mobile has no idea what this bank means by name on the number. Again, I have had this number for XXXX years without a single issue and this is my only number I ever used. I have all the legal document from passport, XXXX card, social security, etc, anything they need to prove my identity. I need this to be resolved as soon as possible because I need to access the money in the account. Please help!!
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. I recently obtained a copy of my credit report and discovered that there are addresses and a name listed that do not belong to me. 

Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the names and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Consumer complaint received 2023-11-09
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NY)

My name is 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 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 2023-04-26
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. (MD)

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 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 2023-12-26
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. (FL)

On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been XXXX for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.
Consumer complaint received 2023-04-26
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. (MD)

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 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 2018-02-01
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: Second Round Limited Partnership, Austin, TX Branch (FL)

On XX/XX/XXXX I contacted Second Round LP in regards to a collection reporting on my XXXX  credit report which I have no idea it was still on there. I was told by the XXXX XXXX agency XXXX XXXX infomed me that this account has been in dispute for over 2 years. He informed me the account was originated XXXX XXXX and XXXX XXXX took over the account which he said the information is reporting wrong address and name. A dispute to this account was on XX/XX/XXXX through XXXX  and did not get a response within 30 days. I m very distress because this account is fraduently reporting on my credit report.