davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
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. (CO)

A collection appeared on my credit report on XX/XX/ for {$1000.00} from XXXX XXXX XXXX. Over the past year, I have fought this inaccurate collection, with no success and no additional information provided by XXXX XXXX XXXX, XXXX, or Experian. XXXX is the only credit bureau that has understood the issue and correctly removed the collection from my credit report. XXXX XXXX XXXX, XXXX, and Experian continue to not listen or respond to my complaints that this collection has been incorrectly added to my file.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

On 5 separate occasions I requested a copy of the consumer disclosure report to which the company refuses to provide the entitlement under the FCRA. 4 attempts using the online portal and 1 attempt by calling consumer support. Still they refuse to provide the report.
Consumer complaint received 2024-05-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (AL)

Hello and thank you! I borrowed XXXX XXXX XXXX plus the XXXX brought the loan to XXXX. I paid XXXX of the loan but, was never given credit. I found my receipt for all of the payments. This has caused in adverse affect when I applied for housing because, it has been reported to all credit bureaus. Also, they sent the wrong amount to a collection agency called Spring Oaks Capital for the amount of XXXX I have made ( 2 ) payments so far. I'm currently disputing this with Spring Oaks Capital. Thank you for that you do to help people who can't help themselves. XXXX bless us all
Consumer complaint received 2022-12-20
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-05-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (AL)

Hello and thank you! I borrowed XXXX World Finance plus the XXXX brought the loan to XXXX. I paid XXXX of the loan but, was never given credit. I found my receipt for all of the payments. This has caused in adverse affect when I applied for housing because, it has been reported to all credit bureaus. Also, they sent the wrong amount to a collection agency called XXXX XXXX XXXX for the amount of XXXX I have made ( XXXX ) payments so far. I'm currently disputing this with XXXX XXXX XXXX. Thank you for that you do to help people who can't help themselves. XXXX bless us all
Consumer complaint received 2024-01-11
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. (FL)

In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXXXXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-11-24
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)

XXXX XXXX XXXX Account erroneously added to my credit profile. This account is owned by an XXXX XXXX XXXX XXXX and not owned by natural person and not my personal account. Please remove this erroneous entry XXXX XXXX from my credit profile. I will bring suit and litigate for this erroneous reporting.
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I noticed that someone stolen my identity back in XX/XX/XXXX and tried to open the credit card with Home Depot. The credit card was issued by Citi Bank, which is working with Home Depot for their store credit card. I don't know why Home Depot/Citi Bank did not stop this from happening, and this person spent a lot money using this credit card under my name. 

I found out very quickly, and I called Home Depot to get this fixed just a week after this person opened this credit card, also reported to the local police. The police came to my apartment and collected all data I can provide to them. Then Home Depot fraud department confirmed with me over the phone that they have this handles and I am not liable for any of the money spent from that credit card. They told me I do not need to do anything, but just wait. If they need further information, they will contact me. I provided all my contact information to them so that Hope Depot fraud department can find me if they need further details. And I never got any message or follow up from the police or the Home Depot fraud department. 

Then this week in XX/XX/XXXX, a guy from Home Depot credit card department called me and asked me to pay the credit card because their fraud department is showing this case is still 'Pending ', and they do not have a 'Solid proof ' that this credit credit is not applied by myself. I told him that this is identity theft, and I already reported to the police and the Home Depot fraud department about this. But still, this guy from Home Depot still said I am liable for this bill.
Consumer complaint received 2023-09-29
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. (NJ)

I was reviewing my credit record and i am quite upset at the inaccuracies you are reporting in my credit record this items are deleted in other Bureaus. I need the following eronous accounts to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (AZ)

XX/XX/2023 - I called Global Lending Services to request my due date to be changed as their website states I can do. I was advised that since the statement has already been generated XX/XX/2023 I couldn't change the due date and I would have to make the payment that is due on XX/XX/2023 or I would be assessed a late fee of 5 % of the payment. Their website states a payment date change can be requested once per life of loan as long as first contractual payment minimum has been made, which I have furfilled.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (ME)

During XX/XX/XXXX through XX/XX/XXXX, Nelnet is reporting that I am anywhere from thirty days to one hundred eighty days past due, while I was in Forbearance with XXXX dollars owed. They reported this on XXXX accounts. I have sent certified letters requesting statements showing I owed money, they never sent me anything. I asked for an account detail and only get from XXXX to current. Nelnet acknowledges that the reporting is incorrect every time I call ; however, every dispute I file with the credit reporting agency, Nelnet says the reporting is correct. I have now recorded my full conversation with Nelnet for proof. I can't get approved for a home loan or anything. I've been fighting this for years. According to the Nelnet reporting I would have defaulted on my loans, thus not being able to receiving further funding. The DOE shows I have never been late on one single payment since I took out my first loan in XXXX. I'm asking for assistance as this is costing me loads of money in interest and the ability to own a home. This is unjust after fighting XXXX years.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP (IL)

My name is XXXX XXXX, ive XXXX a XXXX XXXX XXXX customer since XXXX. I went to US bank ( check was drawn from US BANK ) in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) from XXXX XXXX XXXX XXXX and It was required to be verified before cashing. So since the check had usbank on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check beforeverification ( FIRST MISTAKE ) which kicked the check out as fraud. She then called to get the verification code ( SECOND MISTAKE ) which they provided her with which allowed the bank ( usbank ) to be paid. She then attempted to cashed the check a second time ( THIRD MISTAKE, IM OUT! ) which came back as fraud again. There was nothing she could do therefore I left usbank ( without my {$4300.00} ) and with check in hand, called my issuing bank XXXX XXXX XXXX XXXX XXXX to void the check. Long story short the check couldn't be voided due to usbank was provided the authorization code which entitled them to the funds. Well ( usbank ) did receive the funds on the XXXX of XXXX and told me they returned it on the XXXX, since I was not their customer. Well as of today, XX/XX/XXXX, my issuing bank XXXX XXXX XXXX XXXX says nothing was returned to them. l 've been to usbank several times since the XXXX, I even went to a different US bank branch thinking that the original location was trying to cover their mistakes. I also called XXXX several times and i also have a recordingof the supervisor stating " US BANK have the funds, and this was on the XXXX of XXXX. I've done nothing wrong. Im a working single mother of XXXX children. Those funds were a loan from my XXXX tax refund and my family are in dire need. We are facing a Eviction at the end of XXXX due to this mishap. Please look into this matter as to I don't know what to do or where to turn.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The Art Institutes of XXXX XXXX, California. 
The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$28000.00} have been approved for discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXXXXXX XXXX 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

In the past week I have been locked out of my venmo account and assets frozen. Each time I have done what they asked to unfreeze the account by sending in verification of my identity which include : drivers license, selfie holding driver 's license, pictures of debit cards linked to account, account bank statements and multiple times for each. Every time I try to transfer funds out of the venmo to my other bank it automatically suspends my account and asks for more information to verify my identity.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I'm not sure how long I've had a PayPal account, but haven't used it in over XXXX years. In XX/XX/2023, a fraudster successfully took over my PayPal account and began changing all manner of immediate contact information ( email, phone, etc. ). In XXXX, the fraudster linked someone else 's bank account and began conducting fraudulent transactions. XXXX of the banks involved charged back which resulted in a {$110.00} negative balance in this PayPal account in my name ( but again, not my contact info ). 

I found out about this when, in XXXX, I came across a collections notice at my in-laws house for {$110.00}. I worked with PayPal to clear the obligation and, to PayPal 's credit, they agreed that the debt wasn't mine. However, when they reconciled, they levied what was described to me as a " fee '' of {$35.00}. When I called to inquire about this fee ( they were threatening collections once again ), they agreed to reduce the fee to approximately {$21.00}. I reluctantly agreed, but was told that I would have to log into my PayPal account to pay off this fraudster 's debt. As I informed PayPal ( and as they confirmed in XXXX and XXXX ), I do not have access to this account. PayPal also indicated in XXXX ( and now, XXXX ) that they can't give me access to this account ( permanently restricted since XX/XX/2023 ). 

All in all, I have spent far too much time being punted around PayPal 's back office to defend against paying off a debt left by a fraudster. PayPal acknowledges that I have nothing to do with any payment transfers yet is sticking me with a reversal fee and threatening collections if I don't pay. I don't even know that it's actually a fee because XXXX  PayPal representative referred to it as a " double refund. '' I report this because I have to imagine that this is affecting a lot more people than just me. I can't imagine that this is anywhere near a reasonable or fair practice.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I am writing to you regarding a debt collection entry that I recently noticed on my credit report. The debt is listed under Jefferson Capital, but I do not recall incurring this debt. 

In light of these circumstances, I kindly request that you provide validation of this debt. Specifically, I would like to see the original contract for this debt and the date it was incurred. This information is crucial for me to verify the debt and ensure everything is in order. 

I look forward to your prompt response.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC (CA)

I took out a loan with explorecredit.com as an emergency need to pay my XXXX XXXX XXXX bill that was scheduled for shutoff. The interest rate was extremely high, yet I figured I could pay it off very quickly and not have to pay so much interest. The principal loan amount is {$1400.00}. Unfortunately my financial situation took a turn and I have been trying to work something out with them to delay repayment but pay off the loan entirely when I receive my bonus from my job at the end of XXXX. 

I have requested revoking ACH 3 times via email and each time i am told its either not possible or given a long list of items to do in order for them to remove ACH, which seems illegal. 

I requested my bank to place a hold on them as a merchant because they were unwilling to work with me. 

They are also now charging my account with fraudulent checks rather than ACH, which I never agreed to, causing my account to overdraw multiple times. They are also double charging me for missed payments, which is causing my account to overdraw over {$1000.00} and preventing my other bills from being paid. 

They have placed me in a financial bind with too much interest. I would like to mediate a payoff with them and I need them to stop charging my account.
Consumer complaint received 2023-09-18
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)

XXXX XXXX XXXX account # XXXX 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. It has not been verified
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I transferred {$3000.00} from my XXXX credit card to Wells Fargo credit card. The balance transfer went through but the {$3000.00} is also still showing up on my XXXX card. Have called both companies multiple times each month with the same answer. 

Wells Fargo has told me that the money got sent to XXXX ( confirmation of balance transfer : XXXX ). Trace number XXXX. 

XXXX still says they dont have any record of a balance transfer despite Wells Fargo saying the money was sent to the correct card ( after verifying the card number multiple times ).
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

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.
Consumer complaint received 2024-02-03
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: DISCOVER BANK (PA)

Discover banks is in clear violation of FCRA 605B ( 15 u.s.c. & 1681 c-2 ( A ) .On or around the XXXX of XXXX i route, Discover card, requesting them to block information, resulting from identity theft, to which, according to the fair credit report acting this company had 4day timeframe to block said information to which discover bank has failed to do.
Consumer complaint received 2023-03-13
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. (MO)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.