davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$950.00}
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent and instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an opened and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP (CA)

Per FCRA as a federally protected consumer. I am now OPTING OUT of Any and all AUTHORIZATION. I the consumer may have given you written, unwritten, verbal and non verbal per 15usc6802 Us bank  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX in. 
( OPTING OUT )
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (FL)

I was supposed to close on a home. 
I called into Marcus by Goldman Sachs to transfer {$24000.00} back to my original XXXX  checking account so that I could close on my home. 

On XX/XX/XXXX, I called into their helpline and initiated the wire. They told me it would take 1-3 business days. 

By the XXXX the money had still not arrived. When I called in, they said there had been some sort of internal problem and they had to redo the wire. 

I have called in over 8 times, spoke with multiple supervisors, waited hours and hours on hold and was hung up on more than 3 times. 

They could never even provide me a federal reference number or a IMAB number. 

I would speak to different representatives and each would say the wire was in different stages- some said it was in review, others said the review was complete and money should arrive any minute. 

Since I can not close on my home without this money, I am going to lose {$10000.00} earnest money. 

On XX/XX/XXXX I was told the second wire failed and they would need to do it a third time. 

I am desperate for help. My mortgage is final approved and I just need access to my money or I lose my earnest deposit. I have already paid for movers and cancelled our lease.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I was prompted with an offer for Wells fargo " active cash credit card, ' which promised a XXXXXXXX XXXX bonus if the required spending amount was met within the first three months of use. I promptly began using this credit card for all my purchases and racked up/simultaneously paid off several XXXX dollars in purchases by XX/XX/XXXX. When I called the credit help line to ask when I would receive my XXXX XXXX bonus the woman I was speaking to ensured me that I would receive it by XXXX at the latest. In XXXX I called again and they informed me at first that I did not meet the spending amount to receive the XXXX $ bonus but as I began to argue and list of the charges I paid for throughout the summer I was repeatedly transferred to different call agents who all agreed that I had in-fact made the qualifying amount of purchases and that they did not know why the reward had not come through. One agent tried to argue that there was no XXXX $ bonus offer and I pulled up the webpage which still had the advertisement up and read it to him, I was then transferred again. That phone call lasted nearly two hours before I became so frustrated that I begged the next agent I was transferred to to listen to my story and escalate the action. He then noticed that in XX/XX/XXXX my account number changed because my wallet had been stolen, the old card deactivated, and a new card was created with a new account number. According to this individual he could not access my account number for the previous card but ensured that I did qualify for the reward and was unsure why some individuals had contested because " [ I ] clearly qualify for the bonus, and made necessary purchases. '' He informed me that all my comprehensive credit card history reports were to be sent to my address and that one I received them, to call and give my old credit card account number and that I would then receive the bonus. Meanwhile I was located in HI for college and did not return home for several months. When I did return home I gathered the documents and finally called to figure this out in XX/XX/XXXX. I was then told that despite what I had been previously assured multiple times, my account was not eligible for the reward because the advertisement did not apply to everyone. This was not indicated in the original offer I received when I signed up and they asked for a screenshot of the offer ( from over a year ago ) to verify this. I had deleted all my old emails for computer space and did not have the email so they simply ignored my request and denied my reward. This is fraudulent activity and an unfair use of situational shortcomings to deny a rightfully earned reward. I have requested the recordings of my previous phone calls as evidence that I was ensured I qualified multiple times and they denied it, leaving me with this letter as my only option.
Consumer complaint received 2023-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU (CA)

Two collection debts appeared on my credit report from Creditors Bureau USA. I tried to get in touch with this company via certified mail 31 days ago tracking number XXXX. I simply asked them to verify the debt in detail. I still have no response from Credit Bureau USA. I have a copy of the letter sent to the collection agency if needed.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

Nelnet is in violation and reporting to my credit profile under non compliance of the FCRA and i have not signed any documents with the company Nelnet reporting XXXXXXXX loans to my account. The university i attended was XXXXXXXX XXXX  and they are under a lawsuit and closing of the school because of fraudulent activity of not providing services. Now my privacy rights have been violated There are 14 Accounts that are reporting and each Violation is pursuant to {$1000.00} per violation. 

*Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that affords parents the right to have access to their children 's education records, the right to seek to have the records amended, and the right to have some control over the disclosure of personally identifiable information from the education.

20 USC 1232g ( b ) ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section.
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

Representative refusing to post a payment made in XX/XX/2023. I've been making rapid payments ; XXXX posted and the other did not. When I called to make the company aware that a XXXX dollar payment had not posted ; I was treated as if the payment did not matter, and they did not have to post it. The operator kept pretending as if they did not understand what I was talking about. They never posted it which is in violation of the contract that has been agreed upon. They are refusing to post payments. 

Also, there seems to be finance charges applied with no way to see how much the finance charges are. The electronic statement is not listing the finance charges that should be plainly visible.
Consumer complaint received 2024-03-21
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)

I recently reviewed a copy of credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

Fraudulent account : XXXX XXXX XXXX XXXXXXXX {$240.00}
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

Unfortunately I do not have dates regarding my phone calls to Nelnet. But, I called Nelnet regarding the IDR forgiveness in the spring/early summer. I had a group of older loans consolidated from degrees conferred in XXXX and in XXXX and then another group of loans from a degree conferred in XXXX. I had the older loans consolidated. I called to inquire if I needed to consolidate all of my loans in order to take the most advantage of the IDR forgiveness. The representative informed me that I did not need to do that to get the most from the potential forgiveness. My loans from XXXX and XXXX were completely forgiven. I called Nelnet back and asked if all of my loans were consolidated, would they all have been forgiven? The rep said, " yes they would have been. '' She apologized profusely and told me many others are experiencing this me issue but there is nothing that can be done. She recommended calling the Federal Student Aid, which I did and was also told there is nothing that could be done. I would have consolidated my loans if I would have been advised to do so, but I was told I did not need to do so to get the most forgiveness. I even emailed the Federal Student Loan Aid office in XXXX to find out the answer to this question ( Case XXXX XXXX XXXX ) and they referred me to my servicer. No one was able to answer this question for me. I did my best to clarify the information on the Fed Student loan website and Nelnet, it was very unclear to the consumer.
Consumer complaint received 2023-12-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NY)

I redeem my USBank credit card reward points and received a {$25.00} pre-paid debit card, the card expiration date is XXXX. But in whole XXXX I had been trying to activate the card and never have luck, either online or via the phone. I tried to called up USBank but either couldn't get a support agent or no one could help.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc. (GA)

I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. National Credit Systems was included in the bankruptcy. They have now in the month of XX/XX/XXXX added the debt back to my credit report. They are aware that the account they have from XXXX at XXXX was discharged. They then attempted to pass the debt to my son. They are stating that he was a co applicant. However, he was a minor at the time. He was not of age to be on the lease. I have advised this debt collecting agency of this several times. Now they have added this account back to my credit file. At this point, I will seek legal action because this is causing emotional distress. I will definitely be reporting to the bankruptcy court of their continued attempts to still collect a debt that was discharged in federal bankruptcy. This lease was never a co- applicant lease. He was a XXXX  living with his mother. I have been more than patient with National Credit Systems.
Consumer complaint received 2018-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I've been getting scammed by this company for many many years, in fact 15 years since I graduated college. Never! have they applies my principal payments to the actual principle ... And as of late, they have started charging unpaid interest which I am sure down the road will result in delinquency ... and more late fees. What makes me furious is that I am setup on auto draft and when I check my account it says I AM PAID AHEAD! Here is a sickening example. I had one unsubsidized loan for {$2500.00} ( and change ) ... and after more than 10 years of paying that 6.7 % loan and literally 20+ principle payments, I still owe {$1200.00}. This is ridiculous, I've paid this loan off 10 times over. Funny how my payments for this loan were applied to my 2.7 % interest loans. How much do you plan on ripping me off for, sum total, over he course of 30 years - AES? 

For those of you who do not believe me, please search ripoff and other consumer advocacy sites for AES SUCCESS and their deceptive practices as well as their new scam the variable 'unpaid interest '' scam that appears to fluctuate depending on whatever they feel like stealing for that period of time. 

I am so sick of this company ... Had they applied my payments correctly, as opposed to strategically applying them to benefit themselves and steal from consumers like me, my loans would be nearly paid-off now. Disgusting and deceptive ... My only retailiation is Karma ... and to that end, I foresee a class action in the coming years. If I had the time, I'd start one now. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my numerous 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery is attempting to collect on a debt for XXXXXXXX XXXX. XXXX XXXX  informed me that the account was being handled by another company XXXX in which the account was paid. XXXX XXXX updated the paid account to my credit report, but Portfolio Recovery has refused to remove the account and hasnt responded to any of the disputes. Verification can be viewed at XXXX Acct : XXXX
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA (NC)

TOPIC : a ) KIA FINANCE AMERICA denied my loan application. Why are they telling me that Im 3 months behind in car payments? 

b ) Without my permission, why did XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, send my loan application to XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, Application Number : XXXX, Dated XX/XX/XXXX, for the XXXX XXXX XXXX? This loan application was also denied! 

c ) I have called XXXX XXXX, and KIA FINANCE AMERICA XXXX or 6 times, concerning the loan for the XXXX KIA XXXX that is on my credit report and why they refuse to have it remove, because XXXX KIA has the XXXX KIA XXXX, and KIA Finance America denied my loan. The response I get from them is They are not responsible for removing anything off my credit report. 

d ) I have all the documents that prove everything XXXX saying. These XXXX companies are committing XXXX XXXX and damaging my credit history. 

XXXX ) On Friday, XX/XX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, to purchase a XXXX. After talking to XXXX XXXX XXXX, XXXX, about what I need the XXXX for, he convinced me to purchase a XXXX XXXX XXXX. I did explain to XXXX XXXX XXXX that my XXXX XXXX is not XXXX or higher, but he assured me that does not matter. 

XXXX ) XXXX XXXX XXXX ran my XXXX XXXX and told me that I was right about my XXXX XXXX, but he was going to talk to XXXX XXXX XXXX, XXXX, to get his approval for the sales. 

XXXX ) XXXX XXXX XXXX returned and told me if I want to get the XXXX XXXX XXXX ( XXXX ), I must do the following : a ) Return my XXXX XXXX XXXX to Drive-Time, because I can not afford XXXX car payments, and beside I would get a better XXXX. 
b ) If I decided to keep the XXXX XXXX XXXX, I would need to put a down payment of {$4000.00}. I listen to XXXX XXXX XXXX, and returned the XXXX XXXX and I did not have to pay a down payment. 

XXXX ) I was told that since the lender ( KIA FINANCE AMERICA ) will not approve my load until Monday, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, wanted me to fill out and sign all documents, and then I could XXXX XXXX the XXXX XXXX XXXX over the weekend. But I had to put the XXXX on my insurance policy first. So, I did. 

XXXX ) Once approved, the dealership XXXX XXXX will sign the documents and back date them. Then I will get a signed copy of the Sale Contract. 

XXXX ) That did not happen!! I went back to the dealership and XXXX XXXX XXXX told me that the lender, KIA FINANCE AMERICA, denied my loan application. 

XXXX ) XXXX XXXX XXXX told me not to worry because he has another XXXX that I could purchase. It was a XXXX XXXX XXXX. I did look at it, and since they took the XXXX XXXX XXXX, I told XXXX XXXX XXXX that I wanted it. I was told that I needed a {$4000.00} down payment. I refuse to pay and left both the vans at the dealership.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (NV)

XXXX has fixed the transaction history that was illegally reported per the privacy act, but failed to fix the inaccuracies on the report including labeling the account as " Repossessed/Never Late '' but did not remove the transactional dates either. On XXXX XXXX, it states that the payment is XXXX and Experian states XXXX with a balance owed of XXXX which neither of those payment amounts line up to that balance. This company has harassed me, stole a vehicle to which i hold a lien to title as well as the title, has harassed my family, employer and friends. This account is to be removed, and this company is to halt all harassment immediately. 

Attached is proof of inaccuracies including dates " missed '', inaccurate payment amounts, inaccurate, name and address reporting, inaccurate APR and falsely reporting a repossession on my credit report. 

This is to be fixed across all credit reporting agencies immediately. 

Also, after illegally removing the vehicle from my possession CAG has not provided me with a letter of intent, which i have provided them with notice of default, as well as intent to cure, both of which i have received no response too.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.