davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AR)

I applied for the SAVE repayment plan in XXXX on studentaid.gov, and was told that I was approved for XXXX XXXX monthly payments within a few days. My loan service provider, Nelnet, did not process this on their end, and their website showed that my monthly payment amount was to be XXXX XXXX. I emailed them and asked why my repayment plan did not process on their end. They said I had to submit proof of income, which I did. They then emailed me on XX/XX/XXXX stating my payments would be {$0.00} for the next year. Yesterday, XX/XX/XXXX, I received an email stating that I am past due XXXX XXXXXXXX. I called them today, XX/XX/XXXX, and explained that my payments were to be {$0.00}, as stated in the email they sent me, and according to the information on studentaid.gov. They stated that a couple of my loans weren't processed on SAVE, so they would put me on forbearance until XXXX while they process. I asked what I can do, and they said to just call back and check in a month. 
How is this fair? I am accruing interest on something that should not be accruing, I am told to call back in a month and see if it has processed, and I've been dealing with this since XXXX?? Additionally, they take hours to reach by phone and weeks to reach by email. Truly a terrible company.
Consumer complaint received 2024-04-24
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. (CA)

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 Number : XXXX and 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 2024-01-22
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (FL)

CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX with American Express informing me that my disputed charge of {$960.00} to Home Depot was re-billed to my account. In the letter, XXXX XXXX did not acknowledge my certified letter which was received on XX/XX/XXXX by American Express ; however XXXX XXXX did explain that American Express would be able to re-dispute the charge if I provided them with communication I had with the merchant showing that I attempted a return. In XXXX XXXX 's letter, he specifically requested that I provide him with my communication sent to the merchant on XX/XX/XXXX- which was the same date that the incorrect XXXX  was installed in our condo and the first date I have written communication with the merchant. 

I am attaching my XX/XX/XXXX email message with attached photos which was sent to the merchant 's XXXX customer service department and received by the merchant. I am also attaching XXXX XXXX 's letter of XX/XX/XXXX. 

I kindly ask that American Express re-open this dispute as I have provided extensive written and photographic evidence that I did not receive the item I purchased from the merchant and contacted the merchant IN WRITING on the very same day I received the INCORRECT item - XX/XX/XXXX. The merchant REFUSED to pick up the incorrect item and re-deliver the item I purchased. 

I will be following up on this investigation with certified letters to both the Consumer Financial Protection Bureau as well as American Express. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (NJ)

Best Egg Company doesn't allow the client to make an PRINCIPAL ONLY payment online. They required the client to call the company for principal ONLY payments. They withdrawal my monthly payment monthly without any issues but the company don't offer you the option to make principal only payments online. They do accept regular payments online but will not allocate the money to principal only. This isn't fair for the consumer. They only accept online payments that benefit them. When trying to make an extra payment online it clearly states that the extra payment will be applied to any fees, interest rate fees, etc. =This isn't fair.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge 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 (OH)

Made a purchase for {$340.00} on XX/XX/23 at XXXX  XXXX. Merchant delivered my order XX/XX/23. Upon inspecting order, it was not what I had ordered. I ordered 7 yards of topsoil. Per their website, the soil contains 50 % soil, 20 % compost, 20 % aged leaf fines, 10 % sand. What I received was mostly wood chips and trash. There was scrap metal, nails, and trash throughout all the soil. I contacted merchant and they didnt get back to me for days. All they said was that it was delivered. I contacted my credit card company to initiate a dispute on XX/XX/23 and I provided the relevant evidence and information. Numerous times they have not resolved the dispute in my favor, saying that I agreed to the merchants terms or service, when that has nothing to do with anything. Their product delivered was not what I had ordered and their terms of service state Im entitled to a refund and return, which the merchant would not let me go through with. Under the fair credit billing act, I believe that my credit card company is failing to confirm as the product I received was not what I paid for.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

I requested to a XXXX transaction be cancelled that was sent to someone. That person back deposited the money into her bank account but on XX/XX/ the money was removed out of her bank account because the transaction was disputed. I have proof of this. I have called my bank several times and have been lied to every time about my {$500.00} being refunded. The other bank ( XXXX ) sent the money back to TB Bank and Im being refused my refund.
Consumer complaint received 2024-04-24
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. (MS)

I am stressed and displeased that i see this negative, unauthorized fraudulent account on my credit report. This is really damaging my credit worthiness. I am trying to start a business for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months age so I figured you all would protect my consumer report. I do not feel my information is being protected. This is defamation to my character and is a federal law violation. According to 15 U.S.C, 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I AM upset!! I AM depending on the banking system and credit reporting agencies to promote my privacy and fairness and they haven't. This is not right, going against my federal consumer rights, causing emotional and mental stress. Also, it is illegal, neglect, and fraud for companies and should not be furnishers of people 's information to 3rd parties. I have reported this to the proper legal departments. Including FTC. This is negatively affecting my livelihood and putting me in a bad space. These companies and credit bureaus can be sued. I feel your database is inaccurate and I am thinking about filing ligation, if negative items are not removed IMMEDIATELY. I am suffering.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge 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 (OH)

I entered into a contract with XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX for a pool to be constructed along with a patio and pavilion. Per the contract, a final payment of {$8700.00} is due upon completion of the project. The project was never finished as the company filed for bankruptcy. I paid a total of {$7700.00} and withheld the final {$1000.00} payment until work was completed.I paid {$6700.00} on 2 different cards that I also disputed, and I was refunded by XXXX XXXX. The final {$1000.00} that I paid was on this Apple Card. I opened a dispute on XX/XX/XXXX with Apple Card after finding out that my pool was not going to be finished and that I would need to hire a new company as they were filing for bankruptcy. One of the owners of the company texted this to me after me repeatedly trying to get them to finish the job throughout XXXX. I have been trying to get this resolved numerous times with Apple Card and they will not rule in my favor and in addition, have provided zero evidence to substantiate their claim.
Consumer complaint received 2024-01-22
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: CREDIT ACCEPTANCE CORPORATION (VA)

I have report this matter over and over again and I do not understand why both of these Company is just destroying my credit profile I fine this very stressful I have file XXXX  XXXX in XXXX XXXX XXXX  XXXX In XXXX Virginia back in 2019 and it is a fresh Start for me Credit Accept is filed and they and they reporting XXXX collection with a one defaulted Loan   XXXX XXXX and XXXX XXXX XXXX XXXX XXXX reported to XXXX XXXX  which they using false statement to destroy in anyway they can I have been dealing with the lies and it cost me to not to go on with my life I Credit Accept report to XXXX balance paid off with 15 negative remarks and XXXX XXXX Balance Paid off so which is it I am asking for both company to be removed from all my credit Reports reporting this has to stop this behavior how can Consumer Financial Protection Bureau is not protecting me How do I file XXXX  XXXX and still be destroyed do you all know my base score is under XXXX and I have paid all my bills on time since I file in 2019 is this because I am a XXXX XXXX  doing right because I have report this a lot of time and nothing changes
Consumer complaint received 2024-04-24
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (FL)

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.

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 2024-04-24
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items.XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, If you feel there is a possibility these account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-04-24
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. (MA)

I recently looked at my credit report XXXX XXXX XXXX XXXX XXXX  and noticed it was not accurately being reported. It shows XXXX late payment on ( XX/XX/year> ) which in FACT was paid on time. The reporting agencies are required to report information with complete accuracy. Ive attached a copy of my report of this complaint on the following date ( XX/XX/year> ). Am asking for full investigation with verifiable proof, and records that show I had a late payment on ( XX/XX/year> ). If this information can not be verified I demand the late payment on ( XX/XX/year> ) to be updated to Paid immediately. 

Thank you so much for your understanding and prompt action.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Global Lending Services LLC (TX)

I disputed account information with this creditor on XXXX XXXX XXXX XXXX XXXX, and XXXX citing incorrect information being reported. The account showed as Charged Off on two of my reports and continued to report as late ( XXXX and XXXX ). The vehicle was repossessed on XXXX and sold at auction on XXXX at this time I never received a Notice of Sale nor a Notice of Deficiency Balance. I asked XXXX and XXXX to investigate and the action took more than 30 days and a proper investigation was not completed. My CGPB complaint was answered in the proper timeframe but at that time the creditor illegally re-aged my date of last activity AND did a hard pull that resulted in an inquiry. As of XX/XX/XXXX, my XXXX report shows the date of last activity to be XX/XX/XXXX and my XXXX report shows the date of last activity to be XX/XX/XXXX although they continue to mark my account as late on my XXXX XXXX XXXX XXXX. Comments are listed as Repossession, however, on XXXX the payment history for the last 2 years ( XXXX XXXX XXXX ) is listed as OK/On-Time. Global Lending services failed to accurately report information across the credit bureaus and the bureaus failed to properly investigate the same. Further, following the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
Unfortunately, my files are too big to attach here, however, I have attached a few screenshots of relevant information and am happy to provide more details in another venue.
Consumer complaint received 2024-04-24
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. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

Company keeps phoning me about a debt that I'm not aware of. Company states they purchased debt from a another creditor. I asked for a copy of the contract I signed with Company. After 1 year, I have yet to receive the contract, however the debt is listed as a collection on my credit report.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had accounts with XXXX, HUNTINGTON, AND XXXX XXXX They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 
I felt like I was treated like a criminal. I am a responsible American who has never been in trouble before.

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

XXXX, early 2023. 
XXXX in XX/XX/2023. 
XXXX XXXX XXXXXX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (GA)

I am writing to request the removal of the following student loans from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I understand that under the Family Educational Rights and Privacy Act ( FERPA ), student education records are protected and should not impact my credit history. According to 34 CFR Part 99, Subpart B, students have the right to inspect and review their education records. However, the presence of student loan information on my credit report violates this right and can negatively affect my financial standing.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

My checking and my savings account at Truist where frozen over 30 days ago for too many inbound Zelle payments they say it was flagged for fraud and that it could take 30 days to investigate but usually is settled within the first 2 weeks I was told either my account would be closed and they would allow me to come pick up my funds or they would unfreeze the account. It wasnt an issue to me at first cause I know I didnt commit any fraud so I assumed I would have my money back by now but it has now gone past the 30 day mark and they have not told me anything but it is under review. At this point I just want to close my account and get my money back this has been a huge financial burden on me and has caused me to almost max out all 3 of my credit cards. The account has been frozen since XX/XX/2023