davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (MI)

XXXX has repeatedly attempted to collect funds that they themselves have stated were unauthorized transactions ( declined at point of sale ). 
On XX/XX/2021, they denied my claim for unauthorized transactions. 
On XX/XX/2021, they stated that there WERE unauthorized. 
On XX/XX/2021, they stated they were " escalating to their back office to resolve. '' They have now submitted the {$450.00} to a collections agency when they simply were not owed any money whatsoever. This needs to be addressed by XXXX IMMEDIATELY.
Consumer complaint received 2020-03-21
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: PENTAGON FEDERAL CREDIT UNION (FL)

Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Oh XX/XX/2020 I contacted Lexus Financial for assistance with my vehicle. I was told by the representative that they could do an extension for XXXX and XXXX which would make my next due date XX/XX/2020. The representative stated that she would have no trouble getting this approved and placed me on hold. When the representative came back to the line she stated that the extension was not approved and was unable to provide me with an explanation as to why. I was provided with false hope. I asked for a Supervisor and spoke with XXXX who ID himself as a supervisor. XXXX repeated what the representative and was unable to provide me with any explanation. I feel that I have been financially discriminated against due to my Bankruptcy. Everyone needs of assistance during this time when our nation is experiencing a pandemic. XXXX could not answer my question as to if I miss a payment will my vehicle be repossessed. I need my vehicle and I need assistance my husband has XXXX XXXX and that is the only vehicle used to get him back and forth to treatment. Not to mention I have to keep the medical insurance for my husband and myself.
Consumer complaint received 2020-03-21
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: CORELOGIC INC (FL)

Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

You guys need to close down Loancare servicing. Even with the coronavirus, they are not helping anyone out. I cant get ahold of anyone and there website is making fill out an application that is longer than buying a home for the first time. PEOPLE need something now where they can suspend there mortgage till we are done with the coronavirus. It should be easy, just look at the zip code and you can see who is affected by this and cut them a break. Loancare does not help with ANYTHING. The faster you look into them, the fast you will see how bad they are.
Consumer complaint received 2020-04-01
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX through XX/XX/2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed  and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (IL)

Cant get through. For those that have gotten through all they are offering is 3 months no payment then all due in 3 months. Unacceptable Im Being punished for having good credit and never missing a payment since all XXXX and XXXX loans are getting modifications. There is no reason they cant add the 2 payments to the life of my loan at the end or take my escrow out to make payment affordable since my state is extending tax bills.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

I am contacting you regarding some fraudulent accounts appearing in my credit file. 
I have recently become a victim of identity theft. MY PASSPORT and wallet and pertinent files were lost in the airport upon moving cross country. Once I noticed the account was placed on my account I immediately contacted the credit with several attempts to validate the debt. I have filed FTC identity theft report as weak.. The accounts in question are : 11 XXXX obtained by a credit collector ( XXXX XXXX XXXX ) - {$260.00} filed XX/XX/XXXX AND XXXX XXXX XXXX - ( XXXX-XXXX  ) - {$220.00} XX/XX/XXXX these are not my accounts. Please remove these items from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OR)

I have been contacting FedLoan since they assumed my loans without my permission inXX/XX/XXXX. I have asked them for the following and since I was a enrolled in paperless billing I was under the assumption they would keep all old statements online including promissory notes and number of PSLF payments counted each month. I have requested the following from them to no avail. 

Promissory notes as the amount I borrowed does not match their amount. 
All billing statements from XX/XX/XXXX-Present A formal review and a complete itemized list of PSLF payments since XX/XX/XXXX when the now defunct XXXX XXXX had me eligible.
Consumer complaint received 2020-03-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

Received a 'firm offer ' of a guaranteed 'pre approved ' refinance of mortgage. The card, from American Financial Network , Inc. said that my rate was guaranteed until XX/XX/2020. 

When I called them on XX/XX/2020 to take advantage of the offer, it no longer existed and a new rate that was higher than that on the card ( over 4 % ) was offered instead of the 2.75 % rate 'guaranteed '. Call made at XXXX.
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (TX)

As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692
Consumer complaint received 2020-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX through XXXX 2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I conducted a debit card transaction in the amount of {$19000.00} to restore my vehicle after numerous disagreements between myself and the company which was XXXX The project was canceled and I was issued a refund on XX/XX/XXXX. Initially chase bank credited my account in the amount of {$19000.00} however after that and a few days later They re-charged my account in the amount of {$19000.00}. I have a return receipt from the merchant and Chase still refuses to re-credit my account.I have made numerous attempts in trying to contact Chase to resolve this issue however all my efforts have had negative results
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had problems with credit freeze, lost income, law investigations concerning covid19 7 year fraud alert, identity theft being detained had requested covid19 test kit they said they were out of test kits and I had to wait after all sick people my insurance covers test until XX/XX/XXXX they haven't sent my test kit yet was concerned about lost income, abuse and want to be out of their investigations.
Consumer complaint received 2020-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I made a purchase with payments for a reservation made on XX/XX/XXXX using my Chase debit card as Visa Credit. There were a total of 7 payments. The business I made the  purchase payments too canceled on their behalf and have not refunded any of my money. I am not receiving the service and they are not refunding ... so some kind of fraud/stealing money is taking place. I have tried to contact the business and all phone numbers and emails have been canceled. 

Chase filed a dispute but said they would only dispute 60 days from the first payment. I used my card as Visa Credit, Visa has a 100 % fraud guarantee ... if you dont receive a service  you paid for you can dispute it and get a refund, they will look into the dispute. As of now I am only receiving about half back because of a 60 day rule. Visa does not have that rule and Chase bank should be following Visa if Im using a Visa card as Credit. 

The dates Im still disputing are : All charges from XXXX   XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$45.00} XX/XX/XXXX - {$540.00}
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I CONSUMER XXXX SENT MIDLAND FUNDING LLC A AFFIDAVIT OF FACTS / NOTICE OF REMOVAL ON XX/XX/2020 CERTFIFED MAIL. OF VOILATIONS COMMITED AND THAT I THE CONSUMER LAWFULLY DID NOT OWE THIS COMPNY ANYTHING AND TO REMOVE MY INFOMATION FROM THIER DATABASE AND REMOVE ACCOUNT FROM CREDIT REPORT. COMPANY DID NOT RESPOND TO DEMAND IN A LAWFUL/ TIMELY MATTER ALLOWED. PLACING THEM IN DEFAULT.. SHORTLY AFTER THE ACCOUNT WAS REMOVED AND ILLEGALLY ADDED BACK TO THE ACCONT. THIS COMPANY HAS CONTINUED TO BREAK THE LAW AND TAKE UNFAIR ADVANTAGE OF OF ME.CAUSING ME STRESS. I HAVE INCLUDED COPIES THAT I HAVE MAILED CEERTIFIED. WHICH ARE 1. AFFIDAVIT OF FACTS/NOTICE OF REMOVAL. 
I ALSO HAVE RECORD TIME AND DURATION OF COMPANY DENYING ME OF MY CONSUMER RIGHTS. WHILE CREATING AND COMMITING DECEPTIVE PRACTICES
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

On XX/XX/2020 and XX/XX/2020 I used Google Pay to request {$100.00} from my mother. Both transactions were deducted from her account. The transaction on XX/XX/2020 was funded from her bank account and the transaction on XX/XX/2020 was funded from her Google Pay balance. Because the transfers go directly to my debit card they are usually instant. However starting with the transaction on XX/XX/2020 the transfer never appeared in my bank account. I reached out to Google Pay and my own bank to see what happened and was told to wait up to 5 business days. However the payment never appeared and the same thing happened to the payment sent on XX/XX/2020. I reached out to Google Pay multiple times only for them to initially try to blame my bank but finally admit that the issue was on their end on XX/XX/2020. Google Pay has claimed they are working on this issue but have no date of resolution despite two separate {$100.00} transfers that have now gone missing. When Ive checked XXXX, it appears this is a widespread problem with Google Pay starting on XX/XX/2020. I would like Google Pay to either release the funds to me or to refund the sender immediately because holding funds without authorization for two weeks is ridiculous especially when this is clearly an issue with their servers.
Consumer complaint received 2020-03-21
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. (GA)

XXXX XXXX XXXX  reported late payments on XX/XX/2019, XX/XX/2019, and XX/XX/2019. 

This account has been paid in full.
Consumer complaint received 2020-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

On XX/XX/20 & XX/XX/20 I sent Formal Complaints/Letters To Equifax Information Services. The Letters Notified The Company that They Are Reporting Inaccurate Credit Information To My Credit Report And Asking Them To investigate and Or Verify The Inaccuracies. It Is now XX/XX/20 And The Company Has Failed To Respond With Investigation Updates Or Anything For that matter. They are not Holding Up To the Law. They are Reporting inaccurate information. & They Have Also Failed To give me Updates within 30 Days of The Investigation.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

After submitting my first CFPB complaint, Nelnet did respond to my XXXX application. They did not send the updates they continue to promise every 10 days. They did send me a letter on their website saying I need to take action to get the XXXX payment activated. 

The information for action I need to take was missing from the letter they sent. 

I do not know how to proceed. The call wait times are over 2 hours, and every email I have sent using the Nelnet form on their website goes unanswered.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (GA)

Hello, I have a Barclay 's Wyndham Rewards Visa card - the one with the {$75.00} annual fee. Since I'm not traveling lately, paying the annual fee to receive the associate benefits is irrational. So, several months ago I called Barclays by dialing the number on the back of the card to request to be downgraded to the Wyndham Rewards Visa card with fewer benefits and no annual fee. The agent on the phone advised that I would be downgraded to the card with no annual fee and I could still use my original card and I wouldn't need to take any further steps. Well, I just looked at my monthly statement for XXXX, and I've been charged the {$75.00} annual fee.
Consumer complaint received 2020-04-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

hello, XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX XXXX  ) I disputed this debt last month but never heard anything. Since then the collection lawyer has sent my employer a wage execution, first this is embarrassing and second, i have tried numerous times to reach out to XXXX XXXX XXXX XXXX XXXX  when i was first notified again last month. i called everyday leaving a detailed message and not one return call. the name of the debtor is XXXX  XXXX  XXXX, who i have no idea who this is. the paperwork, does not give me the name of the original debtor, original date or any documents to prove this is mine. they are also using my married name XXXX from XXXX  and i was divorced in early XXXX. i have never ever used that name. I have also recently checked and cleaned up all 3 of the credit company and this debt is not on there any where. i even called and spoke to a customer service rep at XXXX XXXX and they couldn't find anything either. i already have my wages attached and i told them this via voice mail when i called and they still send a order to my employer. i am disputing this and they still are sending this to my employer. what am i supposed to do? i need proof this is mine, i need all harassment to stop while this is being disputed but they are not listening to me. i cant resolve something if i do not know what i am resolving. 

please help me. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

Hello Ive been an outstanding consumer of bridge crest. I had 2 vehicles at one time, paying off faithfully. Bridgecrest Website shows inaccurate information. It stated no payment due, then will change without notice. I have attached proof of their faulty site. Which shows XXXX due yet {$210.00} was due. Once I found out their website was faulty, I called and set up payment arrangement with rep. The loan company reported me late 3 times on my report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwhich is incorrect, I never was late for these dates. I made the agreed upon payments. I have since brought the accts to being current, even paying one off in full. Ive called the auto loan company5 times, wrote in, and disputed with credit bureaus. but nothing was changed. I am trying to buy a house and this is the only thing holding me back. Thank you for taking the time out to read/help with this devastating time in my life
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion had my previous score a month ago at XXXX. It now has been dropped to XXXX. A 140 point drop. And they can give no explanation why. Transunion needs to be investigated for unlawful manipulation of credit scores. In a time where people could use some help these people don't give a XXXX about no one but themselves.
Consumer complaint received 2020-03-21
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: Blue Global Media, Inc. (FL)

Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.