davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I submitted dispute through XXXX via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for account listed below. Nelnet ( Dept of Ed ) Account ending in XXXX. Its safe to say a thorough reinvestigation was not completed since account reported back as verified/updated, but account appear to be reporting the same discrepancies. Report is reflecting date of last payment XX/XX/XXXX but there is no payment being reflected, report is also reflecting on time payment for XX/XX/XXXX then XX/XX/XXXX is reflecting 90 days past due. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify account in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974
Consumer complaint received 2024-04-24
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: CITIBANK, N.A. (PA)

There were fraudulent charges on my credit card on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I was working XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX Nj XXXX visiting my Parents and had a XXXX  appointment at XXXX XXXX  ( about 1 hour 45 min away from XXXX ). 

I used to live at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX up until late XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX PA XXXX and have been living in this address since early XX/XX/XXXX. Since then I have not visited XXXX or XXXX as I have been working in XXXX NJ during this time period. 

I believe the company sent a new card to my old address who used the credit card as the charges were made in XXXX area XXXX Since early XXXX I have not been in that area and those charges were not made by myself. 

I had received an email around XXXXXXXX XXXX  from CITI about suspicious activity on XX/XX/XXXX. It was about XXXXXXXX XXXX  on XX/XX/XXXX when I got home ( XXXX address ) from my dentist appointment 1 hour 40 min away when I noticed the email and called the fraud department at Citi. I explained that the charges could not have been made by me that Day as I was 1h and 40 min away and the previous day XX/XX/XXXX I was working from XXXX XXXX XXXX XXXX 

I called CITI fraud department multiple times and emailed them with proof which is attached to this email. My work schedule shows I was working XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX XXXX during the time charges made on XX/XX/XXXX. I have a XXXX appointment email confirmation receipt of time and place showing location in NJ about 1 hour 40 min away from XXXX on XX/XX/XXXX. 

I called the fraud department on XX/XX/XXXX, XX/XX/XXXX, XXXX times on XX/XX/XXXX. 
I don't have the name of person I spoke to on XX/XX/XXXX, but I spoke to XXXX on XX/XX/XXXX, XXXX the first attempt and XXXX XXXX not sure spelling ) on second attempt. I also emailed XXXX on XX/XX/XXXX with all the info including my work schedule and dentist appointment without any help. They all assured my that it would be taken care of on the phone and nothing else further needs to be done. I just received an email regarding upcoming bill of {$470.00}
Consumer complaint received 2024-04-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY (OH)

Had filed complaint XXXX to no avail with settlement offer from WFDS . Their response was that I said I had paperwork which had been destroyed in flood. However I had told them paper was from Ohio DMV and had clearly stated that they ignored a response to investigation of vehicle disposition. Now I am requesting a certified copy of their letter to repossess ( never received ). A copy of vehicle deficiency to cure loan amount. I had requested from them amount of payments made while they abandoned vehicle at impound after said they were picking up. That plus insurance and GAP reimbursement. My re search shows car ended up in Florida. So the salvage company should have paper trail between WFDS which was never shared with me or as is the case they dont have and violated my consumer rights in State of Ohio . Attorney General has told me a value of settlement I should get. Need these documents from WFDS ASAP in order to proceed in courts to correct this pattern which Government has found them to be deficient in their claimed repossession of close to XXXX cars. Clearly they have disregarded UCC and ORC for business transaction protocols. Their response was totally inadequate viewing the FTC has ruled to make things right with harmed consumers that they have harmed. Attorney asked about outcome and is in process of filing with Ohio AG
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TN)

I had a navyfederal credit card and I been with them over 4 years! And I all ways paid off my account on time every month and Navy federal refused to update my account with correct information, my credit score are been effective due to Navy Federal filed to do they Job.. I also applied for credit increase over 4 times and they keep denied me I feel like they are discrimination against me ever time.. and something need to be done about this.. there are people I know have a relationship with Navy Federal for a long time and don't have the problem I have.. I need help.
Consumer complaint received 2023-05-17
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 — Problem with personal statement of dispute
Company: Penn Credit Corporation (NJ)

This company has placed their account on to my report. I have no idea where its coming from. The original creditor was not under my name so not sure why its under my name now. I have tried disputing the whole account but was unsuccessful. This is why Im coming here.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

We were rear-ended on XX/XX/year>, at XXXX XXXX. We immediately contacted USAA to report the accident. XXXX 's XXXX XXXX towed the car to their lot. 
On XX/XX/XXXX, at XXXX PM, we authorized USAA to move our car to an authorized USAA repair facility, XXXX XXXX XXXX XXXX, to estimate and repair the damage. USAA contacted us via message to inform us that, based on their investigation of our loss, we had " 0 % liability. '' On Friday, XX/XX/year>, XXXX informed us that the repairs were more extensive than initially thought and that they were not equipped to handle the repairs the car might need. 

On XX/XX/year>, we found XXXX XXXX XXXX  XXXX in XXXX, North Carolina. We immediately contacted USAA 's XXXX XXXX XXXX at XXXX to inform them of the change in repair facilities. 

On XX/XX/year>, USAA towed the car to XXXX & XXXX XXXX. That same day, USAA issued a payment to XXXX in the amount of {$6300.00} ( for the original estimate - before they discovered further damage and alerted us to their inability to repair our car ). We called USAA and asked them to cancel the {$6300.00} to XXXX because the car was no longer at their facility. 

On XX/XX/year>, USAA redirected the {$6300.00} payment to XXXX XXXX XXXX XXXX. 

On XX/XX/year>, XXXX XXXX XXXX XXXX provided USAA with an estimate for repairs ( Supplement of Record XXXX with Summary ) for {$31000.00}. 

On XX/XX/year>, USAA adjuster XXXX XXXX ( License Number : XXXX ) approved XXXX XXXX XXXX XXXX supplemental claim. ( Estimated repair date : On ( or about ) XX/XX/year>. 

On XX/XX/year>. XXXX XXXX informed us that the car was a " total loss. '' On XX/XX/year>, we received a market valuation report for {$65000.00} to settle our loss claim. We contacted USAA to dispute the amount. After negotiations, we agreed to settle our claim for {$69000.00}. 

On XX/XX/year>, we received the updated " Settlement Agreement '' and signed in to " XXXX '' ( USAA title counterpart ) to sign the appropriate paperwork. XXXX informed us that USAA would release funds to our lien holder, and we would receive the amount above and beyond our pay-off after all paperwork was verified and completed. 

On XX/XX/year>, we contacted XXXX XXXX  XXXX to authorize the release of our car to XXXX. 

On XX/XX/year>, XXXX XXXX ( from USAA ) emailed us to inform us that XXXX was scheduled to pick up the car from XXXX XXXX XXXX  on Friday, XX/XX/year>. 

On XX/XX/year>, XXXX XXXX notified us that USAA would settle the outstanding lien with XXXX XXXXXXXX XXXX for the car in their possession. However, due to a USAA accounting regulation, we are unable to obtain our share of the agreed settlement until USAA retrieves the payment made to XXXX XXXX XXXX  XXXX on XX/XX/year>, amounting to {$6300.00}. The timing of this remains uncertain.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  CO XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (VA)

I received a {$500.00} electronic gift card from Macys from a relative. Since I preferred having a physical card that I could keep in my wallet, I went to my local XXXX, VA XXXX and asked them to convert the electronic card to a physical card. After much reluctance on Macy 's part, they did not. 

However, a few weeks later, I tried to use the new physical card but was told that it had a XXXX balance. I also checked the balance of the old electronic gift card and it also had a XXXX balance. Therefore, the staff at the XXXX, VA store - due to fraud or negligence - lost the entire {$500.00} amount during the conversion process. 

I have called Macy 's multiple times but the representatives said they could not help. Instead, they referred me to an email address. After a delay of nearly two months, I received an email cryptically saying that Macy 's can not help with this matter. There was no explanation or discussion and no way to further contact Macys about this matter. 

Macy 's owes me {$500.00} and I intend to pursue all legal remedies to recover that amount.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (MS)

Hello Im not able to use my credit without committing fraud. I unknowingly committed fraud by obtaining credit without the correct income information due to the fact I could not distinguish my income with other income attached to my income. Since then I have allowed those people to be attached to my income and I have more debt than money to pay back because I gave out a higher income than I had coming in. I paid my debt on time but was not enough because the other parties was not held accountable for their portion.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

Hello, I made a settlement on XX/XX/XXXX with collection agency XXXX XXXX. They agreed to delete off report after paying balance. The account still say open after its been settled. I dispute it on XXXX XXXX 4 times. Each time the status came back as verified accurate but there has been no change. I reached out to collection agency XXXX and they verified it was paid off and apologized and said they did not report it to the creditor commenity bank when it was paid off initially. They said they will let them know and it will be removed. Its still showing up as open although its been paid and disputed. 

I attached photos of the payment being received and confirmed. A photo of my disputes to XXXX XXXX and photo of the current status
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have been a victim of identity theft and the following fraudulent items are appearing on my credit. The fraudulent items are as follows : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Kikoff Inc. (MS)

I had a Kickoff credit builder plan. I paid every month on time. My final month, I requested it to be closed before my due date. The company waited until the next billing date to respond, and then closed my account with XXXX late payment. I tried to resolve the issue, but the company refused to remove the false late payment. To add, I never borrowed from them, yet I have a late payment. I feel they did this because I was ready to stop service. Anyone can cancel service at any time, and I tried to do so. This is contributing to not being able to purchase a home for my family. This is a service that you pay for out of pocket for credit reporting service, not an actual loan service.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

L2Inc/XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.
Consumer complaint received 2023-02-02
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. (IN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NY)

I opened my account with Seedfi/XXXX XXXX XXXX XXXX XXXX XXXX This company sets you up with a loan that you are paying off every 2 weeks or so, they report it to the credit buearu and it was supossed to help build my credit, which it was until XX/XX/XXXX. XXXX XXXX, I received an email stating that my loan was being transferred to another lender, and there was nothing to do on my end because everything would be the same. XX/XX/XXXX. My score dropped XXXX points, and this was the only change to my credit report since the switch of lenders. I have called XXXX XXXX to fight this and have also disputed this through XXXX XXXX several times. They claim the info is accurate but im not seeing how it's fair for my credit to take such a hit when I had no other changes, no delinquencies or anything and trying so hard to build my credit. XXXX XXXX tells me to call XXXX, XXXX tells me to call XXXX XXXX. I ve even disputed this directly through XXXX and XXXX directly. I specifically picked Seedfi because I moved to another state, and now I am unable to get an apartment with my credit score. Please help
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America has frozen an account which contains all of my money this account has been frozen since XXXX XXXX and remains frozen on day 29 and they will not return my money This complaint is because these compassionate clowns are reporting my bank of america credit as late because I could not pay on 1st because they have my money frozen What kind of XXXX XXXX  XXXX company freezes your money then reports that you didn't pay what a garbage bank
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

Due to me becoming XXXX with XXXX XXXX in XX/XX/XXXX, I had a hard time paying my mortgage, mortgage assistance helped pay to current in XX/XX/XXXX. Pennymac then put me in XXXX, after that expired and XXXX still not completing my application I still was unable to pay leading to XXXX. During the XXXX process in XX/XX/XXXX, Pennymac Loan stated undisputed facts that I owed them {$130000.00}, of which {$9600.00} was for XXXX XXXX when in fact they paid {$2500.00} for XXXX. 

With the cost of the loan going above the initial amount I obtained a buyer for my home and asked for a payoff estimate on XX/XX/XXXX so I could estimate final numbers for closing. Pennymac requested the sale contract of {$170000.00} which I provided that day. I received XXXX payoff demands one for {$140000.00} dated XX/XX/XXXX due XX/XX/XXXX and the other for {$140000.00} dated XX/XX/XXXX due XX/XX/XXXX. 

I did file a complaint with XXXX XXXXXXXX, but Pennymac response was the Payoff dated XX/XX/XXXX due XX/XX/XXXX of {$140000.00} was correct. 

With the inaccuracy of dates and amounts it is very unclear as to ethical practices and accuracy of charges that Pennymac Loans is forcing upon me.
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (IL)

I have been using Gemini for crypto, they knew that I was in a scam and did not try to protect me in any way they just closed my account instead advising me. So unprofessional as a customer I have been emotionally and financially left out alone in this. And now I am trying to contact them and again the same emails your account is closed. They dont even wan na respond back to my emails.