davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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: Nelnet, Inc. (MI)

" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, You violated the United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.. 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft. Nelnet Account Number : XXXX. As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. Notice, it is a fact, that, I, agent for principal XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and Nelnet has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I was sent money to my Paypal account on XX/XX/2021, unfortunately I was unable to withdraw it as the money never reflected in my account. Moreso I received an email from Paypal that my account was temporarily limited and was asked to upload my national identity photo a thing which I did. Instead of my account being restored after following all their rules, a message popped in indicating that it has been held for 180 days.. I have tried reaching PayPal support team in vain, they still stick to their decision without considering how they have inconvenienced me.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America processed my check from XXXX for XXXX benefits, according to XXXX, and then BofA claimed that they had never received the payment. BofA wrote that they would cancel my XXXX coverage in a letter dated XX/XX/XXXX. BofA stated on the phone today ( XXXX ) that they could not track my check. They asked me to pay them again through their site- XXXX XXXX XXXX  and to call XXXX to get XXXX refund. 
I spoke with XXXX. XXXX sent proof of payment on XXXX XXXX XXXX, and stated that BofA had my funds ( {$1600.00} ). 
The reference for the transaction is XXXX, I was told. 
We filed a fraud claim at XXXX. I was told that the claim number was XXXX by XXXX XXXX. 

Thank you. 

Regards, XXXX XXXX
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo foreclosed on our home XX/XX/2016 after 3 years back and forth with our attorney and we were in a loan modification at the time, that they told us had to be redone. They suddenly foreclosed, no notification to us. I was advised XXXX day when I called for a weekly follow up
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to Credit Collections written, unwritten, verbal or non verbal to report my nonpublic personal information. Credit Collections is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by Credit Collections that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, XXXX, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which Credit Collections never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, Credit Collections violated the terms and conditions within their banking agreement, because Credit Collections states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX ALSO unlawfully sold this debt to a third party collection agency, AFTER the debt had already been tendered in accordance with UCC 3-603. I have never had a contract or agreement with Credit Collections and I do NOT consent to them reporting any account to my credit report. I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within 24 hours. I will file a SEC complaint and a 3949a form with the IRS, because I was supposed to have gotten a 1099c from this charge off as its more than {$600.00} so remove this account are I will be forced to get a audit report done.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

NelNet Lns is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2021-09-29
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. (TX)

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One closed my account after charging me an annual fee. Given that I had a XXXX balance, I mistakenly believed that my account was in good standing. They reporting me as 120 days late and closed my account. When I logged into the account a month later and realized what happened, I immediately called them and asked to reinstate my account. After their review, they rejected my request, and upon calling them again and speaking to a representative and supervisor, then again refused to work with me in any way. 

At no time did they to contact me to inform me that my account was past due. They insist that they attempted to make contact, but I have no record of any attempts made. This was especially disappointing as I had this account for fifteen years. Ironically, they were able to send marketing emails for additional financial products, but for some reason were unable to communicate the dire state of my account. Again, these actions were taken based not on any charges I had made ( I had a XXXX balance ), but on a fees they had assessed, including 'fees on fees '. 

From my perspective, this is a deplorable way to conduct business and it is striking to me that they would rather abandon a customer of fifteen years rather that take any responsibility whatsoever for their actions, passing off their inability to contacting me by stating that " I must have a problem with my phone. '' This type of behavior can ruin people 's lives and credit, and while is clearly unethical, should also be illegal.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (TX)

I have an account with robinhood and recently decided to debut Funds into my account for investment, somehow someone managed to charged the entire funds on my account with XXXX  using the virtual debit card on the account and the name on the XXXX  used to debit ghis funds wasnt even minf but robinhood allowed the transaction anyway. Over 3 XXXX  was used to wipe out the entire funds. I Reached out to robinhood to try to resolve the issue. At first they opened a dispute for the claim and said they would credit me in 10 business days while they keep investigating which would take 90days, that day they decided to close my account which was fine by me I was hoping to close it anyway if they could allow such thing to happen right under their nose. 2days later they sent me an email saying they won't be paying me the disputed funds and the case would be closed, I see alot of complaints about robinhood but just got to witness it first hand.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (TX)

I have been disputing this account for some time now with NATIONWIDE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-29
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: SYNCHRONY FINANCIAL (FL)

Remove these accounts XXXX. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft SYNCHRONY BANK Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft U S DEPT OF ED/GSL/ATL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-08-16
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (IL)

I went into XXXX XXXXXXXX XXXX XXXX XXXX, on XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX. I purchased the vehicle while under mental duress, had been hospitalized prior to and was under medication. I worked with XXXX XXXX someone I had thought I could trust. 

The sales process took a very long time, I was given an interest rate around 20 %. I was told my credit would drop and it would hurt my ability to shop around. I was encouraged to omit information about my income to qualify for the loan, I was concerned of consequent and they assured me it was normal. I know I was sold a car loan and they are profiting very much off of my struggle. Im paying XXXX for a car that has had to have its engine replaced. I purchased the car on XX/XX/2017 and have made all payments. Ive called for assistance to cancel the loan and return the car and told that wasnt an option. I also feel this deal was related to my employment with XXXX XXXX, the manager of the dealer ship had done business with the entity I worked for and I had heard from his trainer who actually trained his wife that there was infidelity. Thats information that was privledged and I didnt need to know that I feel influenced someone to work against me instead of with me for help I requested. While That may not be the case, its confusing why I was encouraged to omit info and I also called Chrysler capital to try to get help. My balance is around XXXX, and with the payments set the way they are I will have laid XXXX for 72 months for a car advertised at XXXX. This loan is designed to make the car cost about 2x what I was lead to believe. I was also told the loan was only good for that day like a do it now or lose deal, as they mentioned it would hurt my ability to shop at another dealership for running my credit.

Please help, Im struggling a lot with mental health as well as paying this bill. Weve lost important family due to COVID-19 and I desperately need a way to lower this payment or get rid of the vehicle, I am unfortunately at risk for repossession.
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OR)

I applied for loan quotes online. In inquiring we generated many emails, texts, and phone calls. I chose a lender and notified the other lenders I have selected one. 
Loan Depot has chosen to ignore my requests to cease and desist calls. On XX/XX/XXXX and XXXX, 2021, I received 10 phone calls from them. There were several individuals but all would talk over me and insist they had a better product. One was quite belligerent.

I have received calls at least twice daily since then.
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

IQ DATA INTERNATIONAL IN at XXXX XXXX XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$3700.00} account that is being reported as past due I dont know this company this company does not have a contract with my signature because I have never done any business with this company