davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent transunion and a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX and XXXX  XXXX account number XXXX these accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately.I want poof how they are verifying these accounts A
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

The financial institution and the Consumer reporting agencies XXXX and 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, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX, XXXX, XXXX
Consumer complaint received 2024-04-30
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: Avant Holding Company, Inc. (TN)

I am a card holder with AVANT credit card. ( Web Bank ). IN GOOD STANDING. My bill is due the XXXX of every month : it is ALWAYS paid on time. ( Last payment posted XX/XX/XXXXXXXX. Today XX/XX/XXXXXXXX  I received an alert from my private bank that Avant attempted a debit of {$1200.00}. I immediately attempted to log into my Avant account. Unsuccessfully so I attempted to reset the password I checked my email for the link there was none however I did see an email from the day before stating that they updated my email as per my request. I did not make a request to update my email I do not have an alternative email. I then called my financial institution my private bank who issued a stop payment on the transaction and gave me the phone number documented to the transaction. When we called the XXXX XXXX Avant it was an adult dating XXXX line we immediately knew there was a problem. 
I took my card out of my wallet and called the phone number on the back and I informed supervisor XXXX XXXX that their corporation seemingly had been hacked not only did someone change my email in their system but they attempted to withdraw money from my bank account without my consent and I explained the phone number attached to that transaction was an adult chat XXXX line I even called the number and let the supervisor listen to the phone call it was not advant. I explained that now my personal banking account have been compromised that I have had this account since XXXX and someone had compromised the routing and account number through their corporation. All I got was an apology and someone would reach out to me in 14 days. Not only was I trying to correct my problem but I was trying to inform this banking institution that their corporation had been compromised and their customers information had been compromised I have had no resolution except I am having to pay {$35.00} to make a stop payment for this unauthorized transaction. I feel at this point in time the Federal department in charge of these such things should look into this as I am sure I am not the only customer who has been compromised and personal information leaked out.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Years XXXX ; Amount {$570.00}. 
I have been on a payment arrangement with Credit Acceptance and my car was still repossessed. After getting it back I was asked to pay higher amount to get caught up. They was aware of my hardship due to covid. Since then I have been XXXX  and given XXXX XXXX. I also acknowledge that with them. I was not able to complete my arrangement plan bc I paid a payment early and was told I must pay {$50.00} to not be repossessed. Due to me being in the hospital and forgot about the {$50.00} I was not contacted till days later that my car was up for repossession. I was then told must pay a full car not in order for them to take the hold off. As I paid, 2 days later, I was then told I must pay another {$50.00} to keep from being repossessed. I got on another arrangement and had to get that corrected bc I put on a plan that would continue put me in a hole. I agreed to {$280.00} XXXX XXXX. They are reporting to credit bureau for late payments while I'm on a payment arrangement which is steady causing me to be in hardship.
Consumer complaint received 2018-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

Hello, I am working towards public service loan forgiveness and have an issue with the amount of qualifying payments. I submitted my employment certification form in XX/XX/XXXX and my loans were transferred to PHEAA on XX/XX/XXXX. At this time, the qualifying loan amounts show different information with only one being accurate at XXXX while the others shows XXXX and XXXX. I notified PHEAA in XX/XX/XXXX, XX/XX/XXXX, and recently in XX/XX/XXXX without any resolution of this issue.
Consumer complaint received 2023-12-23
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. (VA)

On XX/XX/2023 I disputed the medical debt collections. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number : XXXX. On XX/XX/2023 I disputed the medical debt collections again. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. These articles I have attached to the 2nd dispute. I called and spoke to one representative who did not know about Equifax 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to attach a cover letter outlining my request in addition to the articles I already attached as supporting documents. Confirmation number : XXXX On XX/XX/2023, I disputed the medical debt collections again, for the third time. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX I called on XX/XX/2023 and spoke to XXXX XXXX I am at a loss and have no idea why these articles, published by Equifax aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals. 

On XXXX XX/XX/2023 I applied for a XXXX XXXX XXXX card. I was told I was declined because of the EQUIFAX Credit report showing a Major Delinquency, the Medical Debt that is continuously ignored as medical debt in collections. The account, which should not be in my history has prevented me from attaining a financial product.
Consumer complaint received 2023-09-05
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. (IL)

CFPB, XXXX XXXX, Experian and XXXX I am sending you this notice to formally let you know I'm not paying you a XXXX dime! I have exercised my rights as a consumer that has operated within the law and this collection company has notably violated so many laws that I've noted in the CFPB complaint. You have allowed them to impact my consumer report in a negative for months when I do not owe them. I have never done business with this company. They have never rendered me any services whatsoever. Instead they have fluctuated the alleged amounts owed. They've began reporting to my consumer report without properly validating the debt or allowing me my right as a consumer to dispute the debt. I've never received a Dunning letter or any letter of any sort. I have never received the purchase agreement that I've requested. I have never received the itemized bill that was requested for ALL services allegedly rendered? How is this legal? They can not show how this company came up with this balance of {$1600.00}. Then they changed the debt by a dollar to {$1600.00} to further impact my consumer report for reporting purposes, along with bouncing between two names to try to stay ahead of the consumer with their scamming ways. The company admitted to entering in the incorrect amount and modified it when they in fact should have deleted the account for inaccurate reporting. CFPB XXXX XXXXXXXX! You should be ashamed of yourself as a government agency put in place to protect consumers, but admit yourselves you're simply involved to ensure they respond. You continue to allow frivolous reporting so that they gain off of consumers having bad debt. XXXX barely responds and Experian spends more time soliciting their XXXX XXXX  cards. You are now dealing with a well informed consumer and someone that knows if a service was granted to them or not and who granted them the service. The gloves are off. No more nice lady as it has gotten me nowhere. So XXXX XXXX or whoever you're claiming to be today, tomorrow or whenever- you can take that collection and file it in the " we'll never receive payment for a debt not owed to us file. '' You will not collect one XXXX dime from me.
Consumer complaint received 2023-11-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (IL)

Affirm is denying me an installment loan because back in XXXX I created an installment loan for an item that I was supposed to receive. I had made all of the payments on the loan however again I never received the item that I ordered. I in turn disputed the charges with my credit card company and they reversed the charges. Affirm then put the remaining amount back on my account stating that I needed to pay them. I contacted them on XX/XX/23 and explained the situation to them and that I had never received the item I ordered. They opened a dispute and I never heard back from them. I later went back to check on the open dispute and it was closed. They have since sent the {$67.00} over to a collection agency ( XXXX ) and have put the negative information on my credit report with XXXX. 

Here is the response that I was provided at the time that the dispute was opened : Hello XXXX, Thank you for contacting Affirm in regards to your Shop Pay installments. 

I comprehend you are reaching out to us because you want to clarify some information about your XXXX XXXX account. I truly know how important it is for you, your satisfaction is my number one priority and I will be more than glad to assist you.

As I was reviewing some information, I see that the department in charge is still working on your case that means that you should be receiving a follow-up between XXXX to XXXX business days.
Consumer complaint received 2023-09-28
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)

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : XXXX XXXX  : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Consumer complaint received 2024-01-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

My {$25000.00} CD was hacked on XXXX and hackers tried to withdraw my money. I reported this to the fraud dept and a review was done in my favor and money was put back into my account. I asked to withdraw it since I did not feel comfortable leaving my money there since they already had poor security measures and I did not want to be hacked again. They told me they would have to charge me a $ XXXX fee for early withdrawal, which I did not agree to but accepted since I wanted my money.No check had been received after 10 days, I called the XXXX NJ post office and this is what they told me. A check was mailed to me with an incomplete address on it, so my post office had it but did not know what to do with it. So I called Marcus, and they told me they would issue a stop payment and when they received the funds back they would reissue and wire to me. It was sent by certified mail. The next thing I knew the check was in my mailbox, but no signature was requested, so I did not know it was out there. As soon as I got it, I called Marcus and they told me it was OK to deposit into my bank. I drove to my XXXXXXXX XXXX and sat down with the branch manager and explained my story and they also told me that the check should be ok. A week later on XXXX, it was returned to Marcus . So the money has never technically been withdrawn from my account. Marcus has had it this whole time. I have made about 25 calls total to Marcus to try and get my money and get a new story every time. When I call I ask for a supervisor each time, since most of their staff is clueless. They told me I needed to sign an affidavit for " lost check '' in order to get my money. I signed it but did several cross-outs on it since it did not pertain to this check situation. I returned to them. They now tell me it needs to be notarized and they will not accept any cross-outs. I do not feel comfortable signing a document that is not true. they said it was the only way I could get my money cause it was their policy. This is my money and I want it. The hackers had an easier time taking my money than me the owner. So Marcus bank has hijacked my money and it has been about 3 months they have held on to it with no interest to me. Please advise how I can withdraw MY MONEY ASAP, since I have been laid off and I need MY MONEY.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

They sent my card 2 months late and statement same, then they charged me interest and late fee. and reported me to the credit bureaus. When i got the mail I paid in full. But I had to call them several times just to get the card and statement. However they havent processed my multiple requests to write off interest and late due to no fault of my own. They are also very rude and today hung up on me. 
I need refund of interest/late and rectify credit bureau note of late and appology also compensation for the increase in my XXXX XXXX due to negligence and bully causing damages
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

I have been subjected to egregious delays in credit reporting, as my student loans were transferred to XXXX in XX/XX/2023 from my former provider, Nelnet. My XXXX credit report has shown, since XX/XX/2023, my student loans under XXXX ( four total loans ) as well as the same four still being open accounts under Nelnet. Effectively, my XXXX credit report shows that I actively owe twice the amount of student loan debt than my balance reported through my XXXX account. I am seeking that the Nelnet accounts be closed as to not provide credit harm should I elect to finance a car or home purchase in the near future.
Consumer complaint received 2024-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I currently have a car loan with Santander Consumer. On XX/XX/2024 I called in and spoke to a rep from Santander before making my payment. My payment is due every XXXX of each month. I asked the rep since I am withing the 10 days to not be late, if I make my payment today XX/XX/2024 will it applied to interest and principal or just interest, the rep said It will be applied to interest AND PRINCIPAL. My XXXX payment was applied to INTEREST only. To day XX/XX/2024 I spoke to XXXX and she apologized for being LIED to but they will not apply my payment as principal and interest. It is not the first time Santander makes false statements. I need someone to help me with this matter.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

I have been diagnosed with XXXX, XXXX XXXX, and XXXX and i am under a doctors care. The past XXXX years i have been unable to work steady i have fallen behind. In addition the current interest rate on my loan is 6.5 % and had tried XXXX times for a loan modification over the past 4 years and i was denied every time, had i had a reasonable interest rate i would have been able to hang on. I now have a family member that can buy my home from me for the note and stop the foreclosure but need to get in touch with the bank to see if they will work with me thru this process so they can get paid off and I can stay in my home. 
I have been unable to get a contact at XXXX XXXX or NationStar, The servicer, that can help me or put me in contact with someone that can assist me. i need assistance.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

I received the following text messages : FreeMSG : SoFi Bank Fraud Center XXXX For a purchase amount of {$260.00} $ at XXXX on XX/XX/24. If valid reply YES, fraud NO. To Opt Out, STOP. 

FreeMSG : SoFi Bank Fraud Center XXXX For a purchase amount of {$96.00} $ at XXXX on XX/XX/24. If valid reply YES, fraud NO. To Opt Out, STOP. 

XXXX is the number they came from. I called the number and I heard dogs barking in the background doors opening and closing cabinets opening and closing and then the person came onto the line and called me XXXX. That is the name of my XXXX.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OH)

XX/XX/2024 We received a call from what looked like our card company stating that they were the fraud department. Telling us of the fraud charges. Having them taken care of, but in reality they were keeping us on the phone, they were in our account as they know all of my purchases. Asking many questions, asking things we should have never told them, doing things with our phones to have our calls forwarded to a number they had set up so we would not get notification of the transactions they were placing. 

XX/XX/2024 I had figured out what was going on and called the credit card company to explain, they have locked the account, issued new cards, and removed the fraudulent charges. I talking with them, I just wish they would listen as I told them that they were in my account and were able to tell me a lot of stuff, maybe even changed all of my security questions. I also was able to figure out that they had our calls transfer to a special phone number so they could verify the transactions. All of this in now taken care of. 

We went to our police department and reported, bank also