davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (MD)

Unsolicited text from company ( purporting to be Wells Fargo ) saying my card was used and if not aware to log into a XXXX page with logo of Wells Fargo. I do not have a Wells Fargo account or credit card. This was a fishing expedition to get access to my financial data. 

I am worried that I made a mistake by clicking on the link as they may already have access to my phone data or implanted a virus even though I cleared all cookies. 

Here is text that came to my phone. 

WeIIs Noticed your card was used on ( XX/XX/2021 ) XXXX. 
If you are not aware FoIIow : XXXX XXXX XXXX
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NH)

I received a loan from one main financial in the month XXXX. I have made every payment within 30 days. During this week week of XXXX. They have called me several times a day. I spoke with a representative via telephone call on XXXX and advised the rep I would be making the payment asap and within my allotted time grace period. On XXXX I received a call at XXXX XXXX leaving me a message to call them. They then called me again that same day at XXXX to ask me the same thing. I am receiving multiple calls a day and week for a payment that is 7 days late. I feel harassed and it is affecting my job as I have to be interrupted with calls as I am working from home. The are calling my cell phone and I live in New Hampshire where messages for debts is not allowed. I also believe this is a XXXX violation as well. 

XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (FL)

Credit Control , LLC with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. 

Principal Contact for the company is XXXX XXXX, ( XXXX ) XXXX. 

All previous debts have been managed under POA with a Debt Consolidation company. All creditors were notified by the company. 

The debt is listed with an Original Creditor named XXXX XXXX  XXXX XXXX, property and casualty, XXXX # XXXX, as a description with License number XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. Debt Collector advised call was recorded but did not identify as a debt collector or provide XXXX XXXX. I advised him I have never owned a home let alone a mortgage. He then began to tell me that it was not about a mortgage but other things. 

Debt collection office has an outstanding Class Action in Florida for deceptive practices and several of these deceptive practices were used. 

Collections was advised I had compliance experience and I would file with the state and Government. Stated did not care. XXXX v. Credit Control , LLC - XXXX
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (CA)

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (RI)

They reported non payment to my car note and i dont have the car anymore because its was total lost, and i made a payment to the bank but because they didnt receive the check on time they hit me with delinquent payments
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I filed bankruptcy, but paid off my student loan in  XXXX . In    XXXX   XXXX   XXXX  ,  I started getting calls from Navient about making a payment. For over a year, I provided them with written proof and they continued to harass me.     I finally just gave in and paid off my loan AGAIN. They have not followed up with a letter or proof of completed repayment.     I was wrongfully charged. After fighting the issue for a year and never moving forward, I paid them AGAIN. The loan is still not satisfied.
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (TN)

I received a voicemail from a man named XXXX stating I had a judgement against me with a law firm called XXXX XXXX XXXX XXXX XXXX. He called from a private number. He stated before he signed off on it that I could call them & get additional info. The phone number he left was XXXX & he stated to reference case # XXXX. I called the number, a woman answered & said, " Corporate Office ''. I gave her the case # & she asked for the last 4 digits of my SSN. I asked if I could give her something else & she immediately went off on a tangent about how the last 4 won't give her the 1st 5 digits & that she was looking at my credit report & had my employer name & drivers license number. I asked her what the drivers license number was & she gave me the correct #. So I gave her the last 4 ( which i'm now wondering if that was a mistake ). She then gave me the 1st 5. She said that I had a credit card with XXXX XXXX XXXX in XX/XX/2009 ( I think, she was talking very fast ) & that I owed {$10000.00}. She said that if I didn't take care of it, it would turn into over $ 12K in debt that I would have to pay. She said that the bank is now owned by Chase bank due to the bailout & that she could help me with a hardship settlement. Well then I asked her to repeat what the bank name was & she immediately said that it didn't matter if I remembered owing it or not, that my state is a creditor state & that if I didn't want to accept the hardship case, they would do what they have to do, even going thru my job if necessary & she hung up on me.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VALLEY NATIONAL BANCORP (NJ)

XX/XX/2021 1 ) XXXX XXXX ( bank ) 2 ) XXXX XXXX XXXX ( bank ) 3 ) Valley NTL BK XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (NJ)

On or around XXXX XXXX I submitted a request through XXXX XXXX to solicite offers about refinancing my existing mortgage. I was contacted by XXXX XXXX, XXXX XXXX # XXXX and Co NMLS # XXXX, from Mutual of Omaha Mortgage. After discussing the various options that were available, a cash-out refinance was the best option for me. He requested a credit check and various documents which I consented to and provided on XX/XX/2021. After submitting them, XXXX called and we discussed the next steps that needed to be taken and was provided with loan # XXXX. He would review and submit the information to underwriting for them to review, after which he would reach out to me with an update. By the end of XXXX, I reached out to XXXX because I had not heard anything from him by emailing him at XXXX. In the email I requested an update from him and for him to contact me about the application/loan because, per the app I was told to use, it was listed as " File started ''. I never received a call or email from him nor any response from anyone at Mutual of Omaha Mortgage. After a couple weeks, I deleted the app from my phone and didn't pursue the matter further because of the hit on my credit from this. 
In early XXXX I updated my phone and the app was loaded back to my phone. On a whim, I logged in just to see and the status had changed from " File started '' to " Conditional Approval '' with the comment " due to high volume, we will be in touch in a few days ''. I was shocked because nothing was provided to me stating a status change occurred. I then proceeded to email XXXX again for an updated but no response was provided. I checked reviews and someone in XXXX also stated he doesn't respond which seems to be the standard. I also sent an email to Mutual of Omaha through their website stating there is an issue and to be contacted to resolve it- either going forward with this or cancelling it, anything, which is better than being in limbo.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/21, I made purchase on the website XXXX and selected PayPal as my payment method. I have several credit cards and one checking account stored with the financial technology company. I have previously selected a credit card as my default method of payment for any transactions ; however, when using the service, the retailer will generally redirect to PayPal to complete the purchase, whereby I am able to ensure the payment method desired is selected. That did not occur through my purchase on XX/XX/21. Instead, PayPal automatically debited my checking account. I contacted PayPal immediately after the purchase was completed ( instead of being routed to the PayPal website upon selection, I was notified that the sale was concluded ) only to be told that " automatic payments '' are permitted with " some '' retailers and that I have to log into my PayPal account and manually search and select different vendors to secure my preferred payment method. Further, authorizing my credit card as my default payment device " [ did ] not [ apply ] to automatic payments. '' I have never before been transparently informed by PayPal of this " automatic payment '' process and am incensed that I DID NOT authorize them to debit my account and have now had to contact my banking institution to ( hopefully ) rectify what is increasingly appearing to be a fraudulent transaction as the seller of the goods through XXXX has not responded to my messages and XXXX is requiring a seven-day waiting period for a cancellation. PayPal, meanwhile, claims no responsibility.
Consumer complaint received 2018-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

My brother attempted to send me money using Paypal on XX/XX/2018, which we assumed would be free to send money between family and friends. However, I was charged a fee of 2.9 % of the amount plus a flat fee of {$0.00}. I asked my brother and he said he believed the money was sent using the friends and family option, and not the 'payment for goods and services ' which applies the fee. I called the company and they were not helpful in resolving the dispute. They suggested to send the money back to my brother, in effect reversing the transaction. But, they would not reverse 100 % of the fees they charged on the transfer, even if we reversed it. It seems hardly fair the company can retain part of the fee on a transaction that was reversed.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with NAVY FCU. I have always made my payments on time yet there were 30 days and 60 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE UPDATE FROM MY REPORT IMMEDIATELY. 
XXXX XXXX-Balance {$15000.00} XXXX XXXX-Balance {$15000.00} XXXX XXXX-XXXXXXXXXX****-Balance {$15000.00}
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

On XXXX XXXX I the consumer XXXX XXXX went to XXXX XXXX in XXXX, Pa where I entered A consumer credit transaction. I was then extended my credit through ally bank to purchase a XXXX  XXXX XXXX. After this transaction was made with my credit card or social security number which paid for this transaction without I the consumer to assume any liability pursuant to 18 USC 8, I began receiving billing statements requiring me to pay an alleged debt that I did not owe. Pursuant to 15 usc 1666 ( b ) this is a billing error. The billing amounts reflect a positive balance in which they are saying I owe but it is unlawful to pay on a positive balance. Pursuant to 15 USC 1692 ( e ) This is false and misleading. Adverse and threatening action was then taken against me for this alleged debt. My vehicle was repossessed by an unauthorized third party, in which it was never in their possession nor did they own it which is theft, all without my consent or prior knowledge. They also sent documentary evidence confirming this adverse action against me.
Consumer complaint received 2018-07-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to XXXX, I wrote to Equifax on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to XXXX. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from XXXX explaining their investigation procedure. On XX/XX/XXXX XXXX   informed me that the information I disputed had been updated. And EQUIFAX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote XXXX, EQUIFAX, AND XXXX THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Consumer complaint received 2018-07-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX listed a debt collection on my report for an amount of {$14000.00} for a car loan. On XX/XX/XXXX I wrote to XXXX, I wrote to XXXX on XX/XX/XXXX, And on XX/XX/XXXX I  wrote to TransUnion. I wrote to them sending them proof that this account must be deleted from my credit report because it was reporting inaccurate information. And on XX/XX/XXXX I received a letter from TransUnion explaining their investigation procedure. On XX/XX/XXXX XXXX   informed me that the information I disputed had been updated. And XXXX NEVER RESPOND TO MY LETTER WITH ANY STATEMENT NOR LETTER. So on XX/XX/XXXX, I  wrote to XXXX XXXX requesting a debt validation for this car loan which they say I owe. They sent back a letter stating I need to give them further information from the credit bureaus in which they are the ones reporting this inaccurate information to the bureaus. Shouldn't they have the information that they are reporting on my credit file? So on XX/XX/XXXX I wrote TransUnion, XXXX, AND XXXX THE SAME LETTER SENDING THEM PROOF THAT THEY WERE REPORTING MISLEADING AND INACCURATE INFORMATION ON MY CREDIT REPORT FROM XXXX XXXX. After I requested in writing from XXXX XXXX TO VALIDATE THE DEBT IN QUESTIONED. AND THEY HAD NO RECORD OF THIS INFORMATION AND THEY STILL COULD NOT PRODUCE A VALIDATION BEARING MY SIGNATURE. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. I request full removal of this debt associated with any of the credit reporting agencies ASAP
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit. 

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, XXXX is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt? 

XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, XXXX and Experian are showing different days late.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (OK)

This complaint is against Elan Financial services the issuer of my card. I was a credit card customer with them for over 8 years. I paid my bills and suddenly about 6 months ago they reduced my credit then today I found out today the company completely closed my account. The poor excuse they gave was I was making too low of a monthly payment. Mind you this also reduced my credit score by almost 40 points. I regret ever getting involved with this company.