davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

I disputed all accounts with student loan servicer Nelnet. All of these loans were paid in XX/XX/XXXX and are now being serviced by XXXX. The accounts were closed/removed from my report and then added back. I disputed all Nelnet accounts on XX/XX/XXXX and again on XX/XX/XXXX. I called Nelnet and was told that they could not send a letter but I could print a mortgage statement off line. Then was told maybe a supervisor has access to send the info but no letter was ever sent. I have checked for weeks and the online account will not allow me to open any documents. I have also complained about that issue. I saved the mortgage statement screen as a PDF and uploaded it to experian. It shows I have no loan balances with Nelnet. Both servicers Nelnet XXXX XXXX are now on my report with the exact same accounts and loan amounts making my debt to income much higher than it should be as well as causing my score to decrease which has caused a negative reflection on me when trying to make certain types of purchases. This is causing me stress, anxiety, wasted time and money when clearly Nelnet has no proof of current existing loans. The updates dont go past XX/XX/XXXX as they no longer service my loans and have been paid in full. XXXX will not remove even with proof and numerous calls and disputes.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TN)

In accordance with the fair credit reporting act Jefferson Capital System, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

In early  XXXX ,   XXXX   XXXX   XXXX   attempted to pull my credit report thru Equifax but was unable to due to a security freeze. I wrote to Equifax to explain that I could not locate the 10-digit PIN and provided them with all of my PII along with a copy of my pay stub, driver 's license, and utility bill. Equifax responded on  XXXX / XXXX /17 by requesting all of the Info I had already provided AND the 10-digit PIN. I replied with my original documentation along with some extra docs for good measure and Equifax charged my credit card {$5.00} and responded on  XXXX / XXXX /17 confirming that they had permanently removed the freeze.   XXXX   XXXX   XXXX   tried to pull my credit report again today, but they could not. I am trying to obtain a car loan, but obviously ca n't until the freeze is removed. I 've called multiple Equifax phone numbers but have never found an option to speak with a person..
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-10
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. (IN)

I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. The XXXX XXXXXXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report.

2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

When I noticed all of the fraudulent charges from XXXX that were posted to my checking account between XX/XX/XXXX and XX/XX/XXXX, I contacted Bank of America to report the fraud and to get a new debit card issued for my account. The person I spoke with noted the large number of XXXX  charges on the account and turned this claim over to the fraud department. The charges totaled {$5400.00}. 
Less than a month later I got a message from the fraud department that they could not pay the claim. They said their research included my account history, monthly account statements, and information from the merchant. The message stated that they made their decision based on the fact " the charge was authorized by me or made by someone who has permission to use the card or account. '' There were XXXX XXXX  charges on the account. I do not have a XXXX  account and no one besides myself is on my checking account or has permission to use my debit card or account. XXXX does not deliver to my address. Furthermore, most of these charges are from places I've never even been. Looking at the history of my account should show clearly that these are not regular places that I frequent to eat or to shop. As I said before, there are no restaurants or stores that deliver to my address through XXXX  or otherwise. Also, for the few places that I have been, the charges from these places show up on my account as " debit card '' charges and not " virtual card '' charges because I don't have XXXX. All of the fraudulent charges show up as a " virtual card '' charge. I haven't been to XXXX XXXX since high school ( over 30 years ago ) and it's probably been about 6 years since I went to XXXX XXXX 's. 
I have a very busy work schedule and mainly go to work and back home each day. I can show from my work schedule that a lot of the days that these fraudulent charges were made I was at work. I certainly don't have time to consider ordering anything through XXXX  while at work. 
The same thing happened with my Bank of America Visa credit card which I ended up having to cancel because the fraud kept happening. Again, these were all XXXX charges. However, when I turned these charges over to the fraud department of Bank of America it was determined to be fraud and I was credited for all the charges. It also took a lot longer for them to review my claim. 
Again, I did not make any of the charges that I have claimed to be fraud. It's very obvious when looking at my statements that these " virtual charges ' from XXXX  suddenly appear in the time frame stated above. I do not use XXXX. 
I'm happy to supply anything helpful or needed by the bank in reopening this claim. These charges are fraudulent.
Consumer complaint received 2023-09-10
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. (CA)

The following account is inaccurate and unverifiable. 
1 ) XXXX XXXX XXXX Acc XXXX XXXX XXXXXXXX XXXX has remove this account from my credit report and I would like XXXX and Equifax to do the same.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (FL)

Proof of debt, copy of contract with collection agency with my signature, proof of licensing in state of Florida to collect debt as none of the companies listed in complaint are not licensed in the state of Florida to collect debt
Consumer complaint received 2022-12-05
Product: Credit card or prepaid 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: Atlanticus Services Corporation (OH)

Contacted Fortiva on helping me out with financial hardship after my daughters medical crisis a couple months ago. Im having problems making payments because of it. Fortiva refuses to work with me.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

First bank of america close my account because supposedly it was a fraud which to me it was no fraud. I got the XXXX this XX/XX/XXXX and I haven't received. I have my daughter that is XXXX and I don't have money to pay the rent and either for food. They have been telling me to go to the branch and pick up the funds and when I arrive they say no. They have been like this since the XXXX of XXXX. On Friday someone told me to go to get the funds I couldn't go that day. I told them I was going on Saturday and they said the same thing they can't give it to me it's on bank of america. The amount of my funds is {$1300.00} And every time I go I take my daughter and is very hot to take her out.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (IL)

Dear XXXX, XXXX and XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$470.00} Party Owed : XXXX XXXX Amount : {$550.00} Party Owed : XXXX Owed : {$190.00} Party Owed : XXXX XXXX XXXX XXXX Amount Owed:XXXX I am disputing this claim due to : I had know knowledge to this account nor did I give permission for anyone to use my information This is my official request to have the aforementioned item to be deleted off my credit report .Enclosed may be additional information evvidence to support my claim
Consumer complaint received 2023-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

In accordance with the fair credit Reporting act Nelnet account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I bank with Usaa and they use XXXX for payment transfers. I sent money to XXXX to purchase a rifle I sent through the using send to business. I never received my rifle and Usaa and XXXX refuse to return my money. I have provided Usaa with the receipts and conversation transcripts with the company.
Consumer complaint received 2023-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I went to XX/XX/2021 with my childs mother as a cosigner. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was hesitating on the purchase my child 's mother is not forethcoming this was her pick. Supposedly Credit Accepatance supposedly picked up as the lenders. I put down {$6000.00} with {$800.00} a month. XXXX XXXX is only a cosigner and expected me to share my vehicle yet I pay. I stopped paying the truck the second month because XXXX XXXX was destroying it. I have been trying to contact this dealership since XXXX  they answer then play phone tag the tell me to call Credit Acceptance, then when I call credit Acceptance they refer me back to the dealership. This has been gooing on for two years ith the vehicle in my possession. I tried to give the vehicle back if they give me my {$6000.00} and my stolen check that was sent to them with two peole name on it yet I just found this out this week from Credit Acceptance. I tried calling repeatedly they will answer then put me on hold forever then come on and say call credit acceptance, they said the gave two months of money back because the vehicle could not get a title, so thats {$1600.00} ( XXXX XXXX stole the check and forged my signature ) XXXX XXXX has been the only one this car dealership talks with yet my name is first she is a cosigner. I believe the dealership is practicing bad behavior along with XXXX XXXX I tried to ask how I could buy the truck out NOTHING
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I found the account on my XXXX report, XXXX XXXX, I have no knowledge of this account. I have no knowledge of the original creditor. I have never been contacted by the collection agency nor the original creditor. According to the FCRA act I should have been contacted by the creditor. I have sent certified letter to the debt collector asking for validation which I have not had any communications from the debt collector
Consumer complaint received 2023-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have been paying back a vet bill for about a year now, I inquired about a card security fee that was never advertised when I swiftly applied for this program due to an unforeseen emergency with my animal. I asked the reasoning for this charge with the following response, and then after paying my bill in full asked to cancel this fee, as I never agreed to an additional charge knowingly. I am nervous they will continue charging me for something I dont want, and I do not want to cancel this service and have my credit impacted in some shape or form.
Consumer complaint received 2024-03-12
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. (CA)

I ask Experian and XXXX please review the address and phone number associated with XXXX credit card account is not mine. I dont recognize nor have have I ever lived at the address associated with the XXXX credit card account. This account was fraudulently opened without my knowledge. XXXX has done a thorough investigation and acknowledged that the XXXX credit account was fraudulently opened and XXXX has removed it from my credit record. Please help me and do the same as XXXX did. Its been frustrating for years of disputes with Experian and XXXX and has gone nowhere. Because of this credit remark, I have been turned down by apartment rental agencies, I cant find a decent place to live. I have been denied by loan companies and car rental companies. I have filed multiple police reports with local police department and online police reports. I have sent both credit bureaus all my documents including all my police reports and consumer finance complaint reports. I dont know what else I could do to help my situation. Please understand and help me remove the XXXX credit card from my credit record. Thank you for your time and your understanding, have a wonderful day.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Van Ru Credit Corporation (TX)

Van Ru sent a letter regarding a debt collection attempt for XXXX XXXX indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report and letter that was sent to Van Ru.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MI)

Ticket # XXXX. On XX/XX/XXXX I deposited XXXX XXXX ( Worth roughly XXXX USD currently ) from my Trust Wallet into my Binance US exchange wallet without a memo. I have contacted support and they sent my information to the finance team claiming they would have the deposit processed by the start of the week. That would've been on XX/XX/XXXX, it is currently XX/XX/XXXX and I still haven't been credited my missing deposit by the binance.us finance team. 

The previous cfpb compliant I opened you closed saying the issue was in the process of being fixed, its been over a week and it hasn't been fixed so I'm filing another compliant in the hopes you'll help a customer who has been with binance since early XXXX and has recommended it to many friends and family irl who have invested as well. 

I plan to continue using binance.us and understand you're dealing with a high volume of tickets, but this is my life savings and I need it to survive in the real world. It sucks I ruined my life with one quick mistake. I'm truly starting to lose hope I'll ever see my money again and have started contemplating suicide some days it hurts so much. 

Ticket is # XXXX and can't wait to cry tears of joy when you come through and help me. 

Side note : ( Email is XXXX. I'm truly willing to work for the support team to help as many people as I can fix their problems. I understand the anguish people are going through and want to help. ) Ticket # XXXX