davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

On XX/XX/2023 I submitted my Teacher Loan Forgiveness application. About a month later, I received the denial letter in the mail stating that the CAO signature was predated, which it can not be, and that I needed the CAO for all locations served to sign the form. However, the application states that if a CAO at an organization has access to records to verify for all locations, then they are able to do so as long as the other service locations are listed on a separate page, which I had done. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received a denial letter in the mail stating that one of the CAOs was missing a signature and a printed title next to their name. 

On XX/XX/2023 I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that the date next to one of the CAOs signatures was cut off ( the last digit in 2023 was halfway missing on the scan ). And that I needed to submit a separate page 1 for all page 2s. I hadnt submitted a separate page 1 in the other two submissions, so I am not sure why that was only mentioned on the third denial. 

On XX/XX/2023, I resubmitted my application with the requested adjustments. About a month later, I received the denial letter in the mail, stating that all of the page 2s were illegible and needed to be resubmitted. However, the same page 2s had been submitted 4 times now, with minor changes to fix the errors and not once was it mentioned that they were illegible. When looking at them, they are, in fact, very legible ( attached to this submission ). 

I have reached out to them several times to see what needs to be done to get this taken care of, as it seems that they are simply trying to delay the forgiveness process now that payments have started again. I can not get through to anyone who can answer my questions and I am getting frustrated with this. The CAOs are also becoming increasingly frustrated, as theyve had to fill out the paperwork for me on four separate occasions now.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

none of these companies possess a copy of my identification, nor have they acknowledged receiving one to the best of my knowledge. It raises a significant concern that these accounts were furnished without proper verification of the account holder 's identity. I did not personally initiate the opening of any of these accounts in a branch or elsewhere. Whatever form of identification was submitted in relation to these accounts does not accurately represent my identity. I am left wondering why these discrepancies are being associated with my name and affecting my credit profile. 

the accounts in question are as follows THESE WERE ALL FRAUDULANTLY OPENED ACCOUNTS AND I NEED THE INFORMATION I REQUESTED WHICH IS REQUIRED BY LAW MY IDENTIFICATION MY SIGNATURE SENDING ME A ACCOUNT WHICH WAS FRAUDULANTLY OPENED AND SAYING IT WAS MAKIGN PAYMENTS DOESNT PROVE LEGITAMACY IF THEY MY IDENTITY WAS STOLEN/ COMPROMISED THIS IS OBVIOUSLY SMOEONE PRETENDING TO BE ME XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$4700.00} XXXX. XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number Date opened XX/XX/XXXX I am writing to express my deep concern regarding the investigation conducted by your agency, as well as the ongoing issue with certain accounts on my credit report. 

At the time these accounts were opened, it is my understanding that my identification was not provided, and there was no evidence of my signature or consent to open these accounts. To clarify, my uncle XXXX XXXX had opened these accounts in my name without my consent. Regrettably, upon his passing, I have discovered that my identity was compromised, and he had been using my name for various financial services, including cable, bank, and credit card accounts, as well as cell phone services. This revelation has shed light on why these accounts have been maintained under my name, even though I had no involvement in their establishment. 

I would like to emphasize that I was unable to engage in any financial transactions or manage such accounts between XXXX and XXXX, due to personal circumstances that I would rather not discuss in detail. but for the important part i was not in the country Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENOVA INTERNATIONAL, INC. (TX)

On XX/XX/XXXX, I received an email from NetCredit saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call XXXX, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to NetCredit and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for XXXX to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! XXXX did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (GA)

During 2021 I was out of work due to Convid 19. My XXXX, XXXX XXXX and XXXX accounts were late due to no income. One we could return to work they were paid off. However the put negative statement on my report. My entice work place was shut down. My XXXX  also turn me over to collection.
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Americas Car-Mart, Inc. (AR)

In XXXX of XXXX I began the purchase of a XXXX XXXX XXXX from XXXX in XXXX XXXX, AR. My payments were {$650.00} a month. In XXXX of XXXX the car broke down in XXXX, AR while I was away on a business trip. I contacted XXXX  to figure out what to do with the car. I was still covered under warranty and the part that needed replacement was under warranty so I was advised by carmart to have a towing company move my car to XXXX in XXXX so that I could be worked on. The car was transported to XXXX by XXXX XXXX. I had my car keys with me so I took them to carmart so that they could send my keys by mail to XXXX so that they could do the repair. After a week went by I contacted XXXX  to get an update on the keys and car. No one would give me any information and just kept telling me that someone would call me back. No one ever called me back. I called everyday for XXXX weeks to get any information from them but was never successful. I called the XXXX  in XXXX to see if they had any information and they told me that they had sent my keys to the carmart in Texas. I called that carmart and they said they would send my keys to the XXXX location. After a few more days went by I called the XXXX in XXXX to see if anything had been done yet. The worker at XXXX told me that XXXX had already had that car towed back to their lot almost XXXX weeks before I called. I tried to get information from the XXXX  in XXXX and hot springs in which neither would give me any information about that was going on. I was current on my payments so they had no reason to repossess my car. This was an illegal repossession and if I do not get a response from this complaint I will be taking them to court.
Consumer complaint received 2024-07-02
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: BARCLAYS BANK DELAWARE (GA)

XXXX - Upon review of my account balance as I do daily, it was discovered that a charge to XXXX with XXXX XXXX with a Transaction Amount of {$150.00} appeared on my list of transactions. I immediately call and notify a representative at Barclays that I didn't recognize this charge or make this purchase at XXXX for a {$150.00} and that the last place I used the card was at XXXX  for {$5.00} and this is where someone had to make the fraudulent charges. The XXXX Charge appeared after my XXXX  Visit. Account ending in XXXX. 

XXXX - Letter from Barclay with a date of XXXX. The letter states that they have completed our investigation and have determined the activity is valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. Account ending in XXXX. 

XXXX - Upon receipt of the Barclay letter dated XXXX. I immediately contacted Barclay representative on XXXX and spoke with XXXX who identified himself as the Manager. The case was re-opened ; however, XXXX made it very clear that the {$150.00} charge from XXXX was valid. I strongly disagree with this because I very, very, very, rarely eat at XXXX and when I do, I used a gift card and the most I have every purchase from XXXX in one transaction was less than {$40.00} for a family of four. Who spends {$150.00} at XXXX. I rarely spend that amount at XXXX XXXX, XXXX, XXXX  and any other sit-down restaurants. 

XXXX - Letter dated XXXX from Barclay referencing account ending in XXXX which is the primary card holder. The letter stated that we have completed a detailed review of your claim and, based on the information available, have concluded that the transaction ( s ) you identified are not fraudulent. We have updated our records to reflect that the investigation into your fraud claim has been completed. 

Please refer to your next monthly credit card statement ... ... ... ..., as stated in your Cardmember agreement. 

If needed, we are sending updated information about your account to the Credit Reporting Agencies. If the disputed amount has not been paid, it will remain as a discrepancy on your credit report. If you would like to dispute any discrepancies on your credit report, we as you to contact one of the following consumer reporting agencies listed below.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MI)

Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


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 GM financial XXXX XXXX XXXX GM Financial 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 2023-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ASSOCIATED BANC-CORP (WI)

My debit card was stolen and I reported it to the police department by that time the thief had cleaned out my account. I reported it to the bank and they decided that it was not stolen, I provided the police report number, I provided the information that was requested by the police. The bank never refunded any of the money back to me not even a temporary credit. I was left with no money. The bank said if they got your pin number then it was authorized.
Consumer complaint received 2023-10-06
Product: Credit card — Store credit 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. (ME)

I first learned of this problem when I received my monthly Sunoco card statement dated XX/XX/. It showed two transactions for unleaded gas on XX/XX/2023. The first transaction was In the amount of {$49.00} for XXXX gallons of unleaded gasoline, and the second transaction was In the amount of {$83.00} for XXXX gallons of unleaded gasoline. Both transactions were at the same merchant and location, XXXX XXXXXXXX, XXXX XXXX XXXX. in XXXX, Maine. I requested information from XXXX. XXXX, the merchant operating the Sunoco pumps. Using video, the merchant was able to confirm that my wifes Sunoco card information was used twice on the same day and at the same pump, in successive transactions ( with successive invoice numbers ), even though my wife withdrew her card from the pump after her transaction. In addition, the gallonage pumped in the second transaction was in excess of 1 1/2 times the maximum capacity of our car. I then contacted Sunoco customer service, using the phone number on my Sunoco card. The representative called up the two transactions and immediately agreed that the second transaction was fraudulent. The representative therefore canceled my wifes card, initiated a dispute, and issued a credit in the amount of the fraudulent transaction. Subsequently, however, I received a letter from Sunoco Security Operations denying my claim, also denying that I had identified any transaction, and claiming that there was not enough information to resolve the dispute in my favor. I am therefore appealing to CFPB out of a conviction that, either there has been some mixup on Sunocos part, or Sunoco is intentionally obstructing a legitimate claim. I would appreciate it if CFPB would intervene with Sunoco Security Operations to resolve the dispute, which is clear-cut and in our favor. Even the merchant ( XXXX XXXX ) agrees with this.
Consumer complaint received 2020-07-28
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: Bread Financial Holdings, Inc. (CA)

XX/XX/2020 I called to get more information about a Comenity account that was reporting on my credit report and the customer service agent asked for my SSN which seemed normal in order to locate my account but I NEVER GAVE HIM PERMISSION TO RUN MY CREDIT / ADD A HARD INQUIRY TO MY REPORT!!! Not profesional and misleading.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2023 I sent letter to the credit bureau to verify or remove inaccurate information on my report I havent received any response it have been 60 days
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I deposited a check for {$75000.00} on XX/XX/23 at a Bank of America branch. The teller handed me a paper afterwards stating that {$5300.00} of it would be available XX/XX/23 @ XXXX local time and then that {$69000.00} would available XX/XX/23 @ XXXX local time. I expressed immediately how there was a {$220.00} difference and she said she wasnt sure why that was and couldnt figure it out but to wait. 

The next day XX/XX/23 I get an email stating that the entire amount now {$75000.00} was to be placed on hold until XX/XX/23. At that point I was told that they were reviewing the funds. 

So this morning XX/XX/23 I wake up to an email stating that the funds are now being held until XX/XX/23. I explained to them that the funds had cleared the other account. 

This issue has caused my account to go negative. Not allowing me to purchase the vehicle I signed for and get to work which will cause me to lose my job. This is absolutely a string of false information and negligence on their part.
Consumer complaint received 2023-10-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OH)

I was involved in identity theft my information was breached and some accounts was open fraudaulently in my name the following companies have collections on my report Company : ohio dept of human services. 
opened : XX/XX/XXXX acct number XXXX company : XXXX XXXXXXXX XX/XX/XXXX sunrise credit services account number XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AZ)

Back in XXXX I purchased a money order from XXXX 's and XXXX Georgia and mailed it to XXXX and my money order never made it so I called Western Union and they told me what to do in order to get a refund so I got a {$15.00} money order and sent in my form for refund from Western Union Western Union then sent me a check that was uncashable after going to XXXX and XXXX XXXX which the check is a XXXX XXXX check but XXXX XXXX said the check is bad so then I called Western Union again and they gave me another check which the second check number is XXXX I went today to both XXXX and XXXX XXXX again and they have indicated that it is a bad check so if I am having this problem I'm sure several people are having this problem and this is a big issue for a company like Western Union to provide bad checks to customers I have been without my money since XXXX because Western Union keeps sending me that checks the check amount is for {$75.00} and that {$75.00} I do not have in my pocket as a XXXX person as a XXXX survivor I can not go pick up medicine because I do not have my {$75.00} to pay for it and that is not okay this needs to be addressed and Western Union needs to have this address I want my money as I should have it
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I received a letter stating my name from the dept collection agency that I need to pay {$7000.00}. Which is I never open this account. 

Original Creditor : XXXX XXXX XXXX  Current Owner : LVNV funding LLC Reference no : XXXX Balance : {$7000.00} Thanks Again XXXX XXXX.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint against XXXX and Experian for failing to furnish what XXXX XXXX XXXX XXXX has furnished to them to report. XXXX reports the purging date to be XX/XX/XXXX and Experian reports the purging date to be XX/XX/XXXX. This is a two month difference. to my understanding according to 1681c ( c ) the running of reporting period begins on the date of the delinquency that led to the charged to profit and loss or collections, therefore there should be only 1 date of delinquency date in regards to the original creditor account. I have already requested the date of delinquency from XXXX XXXX  on XX/XX/XXXX tracking XXXX and I have yet to receive a response regarding my inquiry. XXXX XXXX received my letter on XX/XX/XXXX. Both XXXX and Experian have both verified as accurate this same account but still report different purging dates. I do not believe XXXX or experian are in compliance with 605 and 623 of the FCRA in which this is a Federal concern and Violation. if both agencies choose to report this one account, then both agencies are required to report the same accurate information. I understand XXXX and experian are two different entities and do not have the same exact fields reporting but that does not justify the reason why both agencies have verified as accurate the same account with two different purging dates. XXXX and Experian are manipulating the date of delinquency date that occurred with the original creditor by reporting two different purging dates. I do not believe reasonable compliance procedures are being conducted by XXXX and experian to assure my consumer reports are to the maximum possible accuracy before preparing me with results and a new report, which is another FCRA violation 1681e ( b ) accuracy of report. XXXX XXXX has denied they are reporting any inaccuracies with the consumer reporting agencies therefore the discrepancy of re-aging this account by manipulating the date of delinquency date that occurred with the original creditor because XXXX and experian are reporting two different purging dates is solely XXXX and Experians default and they refuse to fix this on going issue. XXXX and Experian should be held accountable for their illegal practices by failing to modify this one account to the maximum possible accuracy instead of deleting this inaccurate account. XXXX and Experian are verifying as accurate this account by using validity instead of verifying all reported information is 100 %.